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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 | $252,731 | $105,867+138.7% | $90,760+178.5% | $134,532+87.9% |
| Participation rate | 100.0% | 78.3%+21.7pp | 75.7%+24.3pp | 81.2%+18.8pp |
| Annual return | -42.59% | -10.99%-31.6pp | -12.16%-30.4pp | 418.27%-460.9pp |
| Employer contribution / active EE | $988 | $3,464-71.5% | $2,922-66.2% | $4,741-79.2% |
| Participant deferral / active EE | $5,556 | $5,217+6.5% | $4,565+21.7% | $6,401-13.2% |
| Admin fee / account holder | $13,287 | $13,936-4.7% | $8,444+57.4% | $11,429+16.3% |