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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 | $269,462 | $162,821+65.5% | $133,978+101.1% | $158,982+69.5% |
| Participation rate | 91.7% | 83.2%+8.4pp | 79.8%+11.8pp | 82.0%+9.7pp |
| Annual return | 0.91% | 41.95%-41.0pp | 45.10%-44.2pp | 302.99%-302.1pp |
| Employer contribution / active EE | $21,491 | $4,976+331.9% | $3,919+448.4% | $4,763+351.2% |
| Participant deferral / active EE | $7,593 | $5,910+28.5% | $5,047+50.4% | $5,983+26.9% |
| Admin fee / account holder | $23,142 | $11,742+97.1% | $8,930+159.2% | $11,252+105.7% |