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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 | $185,883+56.5% | $170,043+71.1% | $139,466+108.6% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 6.19% | 60.54%-54.4pp | 53.40%-47.2pp | 373.66%-367.5pp |
| Employer contribution / active EE | $35,609 | $7,596+368.8% | $6,790+424.4% | $4,754+649.0% |
| Participant deferral / active EE | $53,476 | $11,626+360.0% | $10,410+413.7% | $6,712+696.7% |
| Admin fee / account holder | $25,795 | $15,393+67.6% | $12,824+101.1% | $11,409+126.1% |