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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $348,352 | $175,231+98.8% | $149,696+132.7% | $139,466+149.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 9.85% | 166.77%-156.9pp | 134.46%-124.6pp | 373.66%-363.8pp |
| Employer contribution / active EE | $11,945 | $5,478+118.1% | $4,821+147.8% | $4,754+151.3% |
| Participant deferral / active EE | $8,500 | $6,521+30.3% | $5,682+49.6% | $6,712+26.6% |
| Admin fee / account holder | $937 | $16,155-94.2% | $13,212-92.9% | $11,409-91.8% |