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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 | $268,596 | $114,013+135.6% | $103,693+159.0% | $155,188+73.1% |
| Participation rate | 83.3% | 75.2%+8.1pp | 72.6%+10.7pp | 80.8%+2.5pp |
| Annual return | 12.03% | 49.31%-37.3pp | 47.61%-35.6pp | 148.84%-136.8pp |
| Employer contribution / active EE | $3,802 | $3,131+21.4% | $2,920+30.2% | $4,248-10.5% |
| Participant deferral / active EE | $770 | $4,970-84.5% | $4,579-83.2% | $6,531-88.2% |
| Admin fee / account holder | $37,992 | $8,407+351.9% | $7,858+383.5% | $14,480+162.4% |