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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 | $380,872 | $209,874+81.5% | $189,537+100.9% | $167,536+127.3% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 2.43% | 748.61%-746.2pp | 555.34%-552.9pp | 478.82%-476.4pp |
| Employer contribution / active EE | $45,402 | $6,913+556.8% | $6,161+637.0% | $4,839+838.2% |
| Participant deferral / active EE | $10,642 | $8,934+19.1% | $8,220+29.5% | $6,342+67.8% |
| Admin fee / account holder | $2,195 | $14,299-84.7% | $12,048-81.8% | $12,315-82.2% |