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Employer 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 | $315,648 | $209,336+50.8% | $197,124+60.1% | $137,256+130.0% |
| Participation rate | 80.0% | 87.3%-7.3pp | 86.7%-6.7pp | 80.0%0pp |
| Annual return | 17.40% | 48.09%-30.7pp | 44.34%-26.9pp | 220.34%-202.9pp |
| Employer contribution / active EE | $1,243 | $6,591-81.1% | $6,227-80.0% | $4,156-70.1% |
| Participant deferral / active EE | $9,344 | $9,614-2.8% | $9,135+2.3% | $6,407+45.8% |
| Admin fee / account holder | $7,667 | $17,308-55.7% | $16,298-53.0% | $12,270-37.5% |