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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 | $102,595+161.8% | $94,057+185.6% | $154,746+73.6% |
| Participation rate | 83.3% | 76.0%+7.3pp | 73.3%+10.0pp | 80.7%+2.6pp |
| Annual return | 12.03% | 583.42%-571.4pp | 480.62%-468.6pp | 172.34%-160.3pp |
| Employer contribution / active EE | $3,802 | $3,147+20.8% | $2,933+29.6% | $4,379-13.2% |
| Participant deferral / active EE | $770 | $5,118-85.0% | $4,709-83.7% | $6,730-88.6% |
| Admin fee / account holder | $37,992 | $7,736+391.1% | $7,244+424.4% | $14,365+164.5% |