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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 | $294,691 | $138,114+113.4% | $125,391+135.0% | $134,545+119.0% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -21.00% | 750.88%-771.9pp | 572.41%-593.4pp | 418.37%-439.4pp |
| Employer contribution / active EE | $22,790 | $5,246+334.4% | $4,816+373.2% | $4,742+380.6% |
| Participant deferral / active EE | $12,255 | $7,801+57.1% | $7,448+64.5% | $6,401+91.4% |
| Admin fee / account holder | $1,581 | $11,570-86.3% | $10,009-84.2% | $11,431-86.2% |