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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 | $502,826 | $176,120+185.5% | $159,487+215.3% | $167,553+200.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 4.75% | 331.95%-327.2pp | 263.71%-259.0pp | 478.89%-474.1pp |
| Employer contribution / active EE | $7,078 | $5,299+33.6% | $4,831+46.5% | $4,840+46.2% |
| Participant deferral / active EE | $20,008 | $7,752+158.1% | $7,354+172.1% | $6,343+215.5% |
| Admin fee / account holder | $1,986 | $12,561-84.2% | $10,804-81.6% | $12,316-83.9% |