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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 | $317,031 | $165,399+91.7% | $149,745+111.7% | $158,982+99.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 7.91% | 348.34%-340.4pp | 276.72%-268.8pp | 302.99%-295.1pp |
| Employer contribution / active EE | $14,216 | $5,105+178.5% | $4,646+206.0% | $4,763+198.5% |
| Participant deferral / active EE | $12,756 | $7,183+77.6% | $6,843+86.4% | $5,983+113.2% |
| Admin fee / account holder | $1,094 | $10,811-89.9% | $9,312-88.3% | $11,252-90.3% |