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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 | $363,732 | $183,592+98.1% | $155,574+133.8% | $145,877+149.3% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 8.76% | 61.37%-52.6pp | 64.87%-56.1pp | 551.28%-542.5pp |
| Employer contribution / active EE | $17,989 | $5,317+238.3% | $4,676+284.7% | $4,663+285.8% |
| Participant deferral / active EE | $16,724 | $6,466+158.6% | $5,629+197.1% | $6,691+150.0% |
| Admin fee / account holder | $14,399 | $19,316-25.5% | $15,914-9.5% | $13,402+7.4% |