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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 | $287,302 | $157,304+82.6% | $141,197+103.5% | $152,909+87.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 11.98% | 64.34%-52.4pp | 71.41%-59.4pp | 345.46%-333.5pp |
| Employer contribution / active EE | $12,111 | $5,263+130.1% | $4,736+155.7% | $4,764+154.2% |
| Participant deferral / active EE | $18,438 | $7,111+159.3% | $6,710+174.8% | $5,851+215.1% |
| Admin fee / account holder | $2,158 | $12,126-82.2% | $10,265-79.0% | $11,601-81.4% |