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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 | $917,024 | $160,040+473.0% | $147,096+523.4% | $145,877+528.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.58% | 98.49%-89.9pp | 419.75%-411.2pp | 551.28%-542.7pp |
| Employer contribution / active EE | $15,075 | $5,289+185.0% | $4,936+205.4% | $4,663+223.3% |
| Participant deferral / active EE | $22,875 | $8,429+171.4% | $8,071+183.4% | $6,691+241.9% |
| Admin fee / account holder | $5,398 | $15,050-64.1% | $13,005-58.5% | $13,402-59.7% |