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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 | $297,886 | $110,307+170.1% | $96,576+208.4% | $139,456+113.6% |
| Participation rate | 90.0% | 78.1%+11.9pp | 76.0%+14.0pp | 80.3%+9.7pp |
| Annual return | 8.23% | 26.40%-18.2pp | 25.87%-17.6pp | 373.45%-365.2pp |
| Employer contribution / active EE | $4,951 | $3,619+36.8% | $2,965+67.0% | $4,753+4.2% |
| Participant deferral / active EE | $9,151 | $5,547+65.0% | $4,851+88.6% | $6,711+36.3% |
| Admin fee / account holder | $816 | $11,597-93.0% | $8,253-90.1% | $11,407-92.8% |