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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 | $308,552 | $102,635+200.6% | $86,209+257.9% | $139,456+121.3% |
| Participation rate | 71.4% | 74.5%-3.1pp | 69.0%+2.5pp | 80.3%-8.9pp |
| Annual return | 9.42% | 1923.53%-1914.1pp | 1169.05%-1159.6pp | 373.45%-364.0pp |
| Employer contribution / active EE | $20,157 | $3,034+564.4% | $2,381+746.5% | $4,753+324.1% |
| Participant deferral / active EE | $743 | $4,677-84.1% | $3,986-81.4% | $6,711-88.9% |
| Admin fee / account holder | $584 | $8,661-93.3% | $6,853-91.5% | $11,407-94.9% |