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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 | $290,928 | $185,856+56.5% | $170,028+71.1% | $139,456+108.6% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 6.19% | 60.52%-54.3pp | 53.39%-47.2pp | 373.45%-367.3pp |
| Employer contribution / active EE | $35,609 | $7,593+369.0% | $6,788+424.6% | $4,753+649.2% |
| Participant deferral / active EE | $53,476 | $11,623+360.1% | $10,409+413.7% | $6,711+696.8% |
| Admin fee / account holder | $25,795 | $15,387+67.6% | $12,820+101.2% | $11,407+126.1% |