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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 | $283,632 | $185,883+52.6% | $170,043+66.8% | $139,466+103.4% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 5.46% | 60.54%-55.1pp | 53.40%-47.9pp | 373.66%-368.2pp |
| Employer contribution / active EE | $7,680 | $7,596+1.1% | $6,790+13.1% | $4,754+61.5% |
| Participant deferral / active EE | $37,975 | $11,626+226.6% | $10,410+264.8% | $6,712+465.8% |
| Admin fee / account holder | $23,104 | $15,393+50.1% | $12,824+80.2% | $11,409+102.5% |