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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 | $306,565 | $160,040+91.6% | $147,096+108.4% | $145,877+110.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.70% | 98.49%-90.8pp | 419.75%-412.0pp | 551.28%-543.6pp |
| Employer contribution / active EE | $3,207 | $5,289-39.4% | $4,936-35.0% | $4,663-31.2% |
| Participant deferral / active EE | $11,513 | $8,429+36.6% | $8,071+42.6% | $6,691+72.1% |
| Admin fee / account holder | $854 | $15,050-94.3% | $13,005-93.4% | $13,402-93.6% |