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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 | $412,572 | $106,864+286.1% | $147,318+180.1% | $82,637+399.3% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 14.14% | 27.49%-13.4pp | 70.43%-56.3pp | 53.51%-39.4pp |
| Employer contribution / active EE | $1,431 | $3,417-58.1% | $4,593-68.8% | $2,552-43.9% |
| Participant deferral / active EE | $7,890 | $6,496+21.5% | $7,906-0.2% | $4,126+91.2% |
| Admin fee / account holder | $280,088 | $8,415+3228.5% | $13,708+1943.3% | $7,339+3716.5% |