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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 | $763,814 | $183,988+315.1% | $162,177+371.0% | $152,897+399.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 12.36% | 150.79%-138.4pp | 115.60%-103.2pp | 345.43%-333.1pp |
| Employer contribution / active EE | $19,844 | $6,370+211.5% | $5,613+253.5% | $4,764+316.6% |
| Participant deferral / active EE | $16,625 | $8,032+107.0% | $7,297+127.8% | $5,851+184.1% |
| Admin fee / account holder | $75,177 | $13,123+472.9% | $10,843+593.3% | $11,599+548.1% |