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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 | $935,914 | $160,070+484.7% | $147,117+536.2% | $145,897+541.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 5.51% | 98.69%-93.2pp | 420.54%-415.0pp | 552.29%-546.8pp |
| Employer contribution / active EE | $2,792 | $5,285-47.2% | $4,932-43.4% | $4,663-40.1% |
| Participant deferral / active EE | $26,833 | $8,419+218.7% | $8,065+232.7% | $6,689+301.1% |
| Admin fee / account holder | $19,023 | $15,035+26.5% | $12,993+46.4% | $13,390+42.1% |