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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 | $300,899 | $108,912+176.3% | $100,383+199.8% | $145,959+106.2% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 9.90% | 57.96%-48.1pp | 49.26%-39.4pp | 561.95%-552.0pp |
| Employer contribution / active EE | $11,922 | $4,423+169.6% | $3,944+202.3% | $4,661+155.8% |
| Participant deferral / active EE | $9,708 | $8,451+14.9% | $8,086+20.1% | $6,689+45.1% |
| Admin fee / account holder | $3,739 | $9,690-61.4% | $7,900-52.7% | $13,398-72.1% |