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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 | $796,310 | $162,136+391.1% | $152,301+422.9% | $154,746+414.6% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 3.68% | 91.02%-87.3pp | 80.50%-76.8pp | 172.34%-168.7pp |
| Employer contribution / active EE | $1,572 | $4,890-67.9% | $4,624-66.0% | $4,379-64.1% |
| Participant deferral / active EE | $14,890 | $8,341+78.5% | $8,004+86.0% | $6,730+121.2% |
| Admin fee / account holder | $13,130 | $15,759-16.7% | $14,398-8.8% | $14,365-8.6% |