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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 | $265,057 | $100,970+162.5% | $96,576+174.5% | $137,256+93.1% |
| Participation rate | 89.5% | 82.6%+6.9pp | 81.4%+8.0pp | 80.0%+9.5pp |
| Annual return | 12.31% | 38.16%-25.9pp | 38.47%-26.2pp | 220.34%-208.0pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $6,474 | $8,286-21.9% | $7,956-18.6% | $6,407+1.1% |
| Admin fee / account holder | $8,114 | $11,312-28.3% | $11,381-28.7% | $12,270-33.9% |