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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 | $359,072 | $183,539+95.6% | $155,556+130.8% | $145,897+146.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.30% | 61.31%-54.0pp | 64.84%-57.5pp | 552.29%-545.0pp |
| Employer contribution / active EE | $4,102 | $5,315-22.8% | $4,675-12.3% | $4,663-12.0% |
| Participant deferral / active EE | $15,580 | $6,467+140.9% | $5,631+176.7% | $6,689+132.9% |
| Admin fee / account holder | $3,368 | $19,275-82.5% | $15,885-78.8% | $13,390-74.8% |