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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 | $355,876 | $114,073+212.0% | $96,161+270.1% | $167,518+112.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 9.72% | 189.95%-180.2pp | 192.01%-182.3pp | 478.71%-469.0pp |
| Employer contribution / active EE | $1,746 | $3,428-49.1% | $2,798-37.6% | $4,838-63.9% |
| Participant deferral / active EE | $867 | $5,195-83.3% | $4,349-80.1% | $6,342-86.3% |
| Admin fee / account holder | $2,329 | $6,899-66.2% | $5,538-57.9% | $12,312-81.1% |