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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 | $336,327 | $183,539+83.2% | $155,556+116.2% | $145,897+130.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.93% | 61.31%-53.4pp | 64.84%-56.9pp | 552.29%-544.4pp |
| Employer contribution / active EE | $2,921 | $5,315-45.0% | $4,675-37.5% | $4,663-37.3% |
| Participant deferral / active EE | $16,626 | $6,467+157.1% | $5,631+195.3% | $6,689+148.5% |
| Admin fee / account holder | $1,065 | $19,275-94.5% | $15,885-93.3% | $13,390-92.0% |