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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 | $294,674 | $142,361+107.0% | $119,608+146.4% | $134,509+119.1% |
| Participation rate | 83.3% | 82.8%+0.5pp | 79.3%+4.1pp | 81.2%+2.1pp |
| Annual return | 2.65% | -12.46%+15.1pp | -14.98%+17.6pp | 418.13%-415.5pp |
| Employer contribution / active EE | $0 | $5,224-100.0% | $4,232-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $92 | $6,468-98.6% | $5,601-98.4% | $6,400-98.6% |
| Admin fee / account holder | $2,027 | $13,588-85.1% | $10,326-80.4% | $11,427-82.3% |