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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 | $280,540 | $83,898+234.4% | $133,346+110.4% | $94,015+198.4% |
| Participation rate | 82.1% | 63.4%+18.8pp | 72.8%+9.3pp | 70.8%+11.3pp |
| Annual return | 15.74% | 16.00%-0.3pp | 36.85%-21.1pp | 17.84%-2.1pp |
| Employer contribution / active EE | $7,143 | $1,821+292.3% | $2,853+150.3% | $2,790+156.0% |
| Participant deferral / active EE | $1,325 | $3,245-59.2% | $4,332-69.4% | $4,249-68.8% |
| Admin fee / account holder | $8,342 | $7,809+6.8% | $14,264-41.5% | $8,951-6.8% |