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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 | $347,702 | $185,312+87.6% | $161,489+115.3% | $154,746+124.7% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 7.81% | 103.84%-96.0pp | 89.72%-81.9pp | 172.34%-164.5pp |
| Employer contribution / active EE | $15,798 | $4,769+231.2% | $4,268+270.1% | $4,379+260.8% |
| Participant deferral / active EE | $23,527 | $6,350+270.5% | $5,630+317.9% | $6,730+249.6% |
| Admin fee / account holder | $2,270 | $18,654-87.8% | $16,006-85.8% | $14,365-84.2% |