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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 | $275,420 | $162,812+69.2% | $133,971+105.6% | $158,966+73.3% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 3.82% | 41.94%-38.1pp | 45.09%-41.3pp | 302.95%-299.1pp |
| Employer contribution / active EE | $11,946 | $4,976+140.1% | $3,919+204.8% | $4,762+150.8% |
| Participant deferral / active EE | $13,288 | $5,910+124.8% | $5,047+163.3% | $5,983+122.1% |
| Admin fee / account holder | $2,677 | $11,741-77.2% | $8,929-70.0% | $11,250-76.2% |