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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 | $415,903 | $154,228+169.7% | $145,433+186.0% | $137,256+203.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 11.41% | 74.59%-63.2pp | 66.58%-55.2pp | 220.34%-208.9pp |
| Employer contribution / active EE | $18,300 | $4,804+280.9% | $4,554+301.8% | $4,156+340.3% |
| Participant deferral / active EE | $11,426 | $8,216+39.1% | $7,897+44.7% | $6,407+78.3% |
| Admin fee / account holder | $12,360 | $14,344-13.8% | $13,129-5.9% | $12,270+0.7% |