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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 | $293,091 | $126,519+131.7% | $106,201+176.0% | $145,959+100.8% |
| Participation rate | 83.3% | 77.7%+5.7pp | 75.3%+8.0pp | 80.3%+3.0pp |
| Annual return | 7.81% | 225.10%-217.3pp | 116.26%-108.4pp | 561.95%-554.1pp |
| Employer contribution / active EE | $9,531 | $3,726+155.8% | $3,170+200.7% | $4,661+104.5% |
| Participant deferral / active EE | $15,304 | $5,716+167.7% | $5,012+205.3% | $6,689+128.8% |
| Admin fee / account holder | $23,905 | $17,312+38.1% | $11,039+116.5% | $13,398+78.4% |