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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 | $481,492 | $165,399+191.1% | $149,745+221.5% | $158,982+202.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 7.64% | 348.34%-340.7pp | 276.72%-269.1pp | 302.99%-295.3pp |
| Employer contribution / active EE | $12,054 | $5,105+136.1% | $4,646+159.5% | $4,763+153.1% |
| Participant deferral / active EE | $9,358 | $7,183+30.3% | $6,843+36.7% | $5,983+56.4% |
| Admin fee / account holder | $49,172 | $10,811+354.8% | $9,312+428.1% | $11,252+337.0% |