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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 | $477,167 | $110,337+332.5% | $102,383+366.1% | $145,877+227.1% |
| Participation rate | 77.8% | 77.9%-0.2pp | 74.5%+3.3pp | 80.3%-2.5pp |
| Annual return | 8.60% | 24.83%-16.2pp | 24.94%-16.3pp | 551.28%-542.7pp |
| Employer contribution / active EE | $16,232 | $4,216+285.0% | $3,870+319.4% | $4,663+248.1% |
| Participant deferral / active EE | $9,172 | $5,621+63.2% | $5,060+81.3% | $6,691+37.1% |
| Admin fee / account holder | $7,694 | $9,750-21.1% | $8,391-8.3% | $13,402-42.6% |