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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 | $433,515 | $129,737+234.1% | $119,126+263.9% | $154,746+180.1% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 7.96% | 379.08%-371.1pp | 282.11%-274.1pp | 172.34%-164.4pp |
| Employer contribution / active EE | $3,800 | $4,375-13.1% | $4,034-5.8% | $4,379-13.2% |
| Participant deferral / active EE | $8,341 | $5,842+42.8% | $5,318+56.9% | $6,730+23.9% |
| Admin fee / account holder | $11,403 | $11,961-4.7% | $10,693+6.6% | $14,365-20.6% |