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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 | $287,921 | $167,533+71.9% | $151,645+89.9% | $134,545+114.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -23.17% | 7.81%-31.0pp | 3.34%-26.5pp | 418.37%-441.5pp |
| Employer contribution / active EE | $4,463 | $6,828-34.6% | $6,165-27.6% | $4,742-5.9% |
| Participant deferral / active EE | $15,205 | $8,985+69.2% | $8,363+81.8% | $6,401+137.5% |
| Admin fee / account holder | $20,741 | $13,781+50.5% | $11,614+78.6% | $11,431+81.4% |