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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 | $316,042 | $171,867+83.9% | $149,718+111.1% | $147,585+114.1% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 15.93% | 2113.36%-2097.4pp | 1501.70%-1485.8pp | 578.57%-562.6pp |
| Employer contribution / active EE | $1,071 | $6,275-82.9% | $5,444-80.3% | $4,876-78.0% |
| Participant deferral / active EE | $8,085 | $7,270+11.2% | $6,568+23.1% | $5,439+48.6% |
| Admin fee / account holder | $1,665 | $13,799-87.9% | $11,283-85.2% | $10,885-84.7% |