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Participant 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 | $288,331 | $217,432+32.6% | $185,851+55.1% | $167,553+72.1% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.41% | 148.43%-136.0pp | 122.11%-109.7pp | 478.89%-466.5pp |
| Employer contribution / active EE | $8,134 | $5,874+38.5% | $5,168+57.4% | $4,840+68.1% |
| Participant deferral / active EE | $2,074 | $6,357-67.4% | $5,569-62.8% | $6,343-67.3% |
| Admin fee / account holder | $1,902 | $19,820-90.4% | $16,245-88.3% | $12,316-84.6% |