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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 | $687,348 | $209,336+228.3% | $197,124+248.7% | $137,256+400.8% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 9.27% | 48.09%-38.8pp | 44.34%-35.1pp | 220.34%-211.1pp |
| Employer contribution / active EE | $9,427 | $6,591+43.0% | $6,227+51.4% | $4,156+126.8% |
| Participant deferral / active EE | $29,125 | $9,614+202.9% | $9,135+218.8% | $6,407+354.6% |
| Admin fee / account holder | $4,559 | $17,308-73.7% | $16,298-72.0% | $12,270-62.8% |