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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 | $273,329 | $105,929+158.0% | $81,716+234.5% | $158,966+71.9% |
| Participation rate | 100.0% | 75.6%+24.4pp | 72.0%+28.0pp | 82.0%+18.0pp |
| Annual return | 13.58% | 38.19%-24.6pp | 29.49%-15.9pp | 302.95%-289.4pp |
| Employer contribution / active EE | $557 | $7,802-92.9% | $4,310-87.1% | $4,762-88.3% |
| Participant deferral / active EE | $372 | $13,007-97.1% | $7,108-94.8% | $5,983-93.8% |
| Admin fee / account holder | $587 | $8,492-93.1% | $5,159-88.6% | $11,250-94.8% |