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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $572,201 | $227,399+151.6% | $189,758+201.5% | $198,609+188.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 8.12% | 61.03%-52.9pp | 52.62%-44.5pp | 202.70%-194.6pp |
| Employer contribution / active EE | $1,257 | $5,526-77.3% | $4,767-73.6% | $5,055-75.1% |
| Participant deferral / active EE | $5,807 | $6,837-15.1% | $5,856-0.8% | $6,977-16.8% |
| Admin fee / account holder | $26,037 | $25,162+3.5% | $20,388+27.7% | $19,030+36.8% |