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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 | $315,359 | $162,785+93.7% | $133,959+135.4% | $158,950+98.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 4.58% | 41.94%-37.4pp | 45.09%-40.5pp | 302.91%-298.3pp |
| Employer contribution / active EE | $3,913 | $4,975-21.3% | $3,919-0.1% | $4,762-17.8% |
| Participant deferral / active EE | $11,150 | $5,910+88.7% | $5,047+120.9% | $5,983+86.4% |
| Admin fee / account holder | $2,020 | $11,738-82.8% | $8,928-77.4% | $11,248-82.0% |