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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 | $653,820 | $160,070+308.5% | $147,117+344.4% | $145,897+348.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.43% | 98.69%-90.3pp | 420.54%-412.1pp | 552.29%-543.9pp |
| Employer contribution / active EE | $2,054 | $5,285-61.1% | $4,932-58.4% | $4,663-56.0% |
| Participant deferral / active EE | $15,250 | $8,419+81.1% | $8,065+89.1% | $6,689+128.0% |
| Admin fee / account holder | $185,525 | $15,035+1133.9% | $12,993+1327.9% | $13,390+1285.5% |