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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 | $252,731 | $106,267+137.8% | $96,520+161.8% | $139,456+81.2% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 9.58% | 38.45%-28.9pp | 35.72%-26.1pp | 373.45%-363.9pp |
| Employer contribution / active EE | $2,035 | $4,105-50.4% | $3,739-45.6% | $4,753-57.2% |
| Participant deferral / active EE | $10,455 | $5,454+91.7% | $4,879+114.3% | $6,711+55.8% |
| Admin fee / account holder | $1,930 | $7,882-75.5% | $6,733-71.3% | $11,407-83.1% |