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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 | $223,823+41.0% | $211,142+49.5% | $154,746+104.0% |
| Participation rate | 80.0% | 87.9%-7.9pp | 87.3%-7.3pp | 80.7%-0.7pp |
| Annual return | 17.40% | 50.39%-33.0pp | 46.84%-29.4pp | 172.34%-154.9pp |
| Employer contribution / active EE | $1,243 | $6,787-81.7% | $6,442-80.7% | $4,379-71.6% |
| Participant deferral / active EE | $9,344 | $9,750-4.2% | $9,284+0.6% | $6,730+38.8% |
| Admin fee / account holder | $7,667 | $19,707-61.1% | $19,076-59.8% | $14,365-46.6% |