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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 | $628,899 | $160,070+292.9% | $147,117+327.5% | $145,897+331.1% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | -3.87% | 98.69%-102.6pp | 420.54%-424.4pp | 552.29%-556.2pp |
| Employer contribution / active EE | $11,041 | $5,285+108.9% | $4,932+123.9% | $4,663+136.8% |
| Participant deferral / active EE | $16,208 | $8,419+92.5% | $8,065+101.0% | $6,689+142.3% |
| Admin fee / account holder | $3,533 | $15,035-76.5% | $12,993-72.8% | $13,390-73.6% |