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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 | $314,848 | $156,398+101.3% | $147,318+113.7% | $138,895+126.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 9.98% | 78.75%-68.8pp | 70.43%-60.5pp | 145.39%-135.4pp |
| Employer contribution / active EE | $5,117 | $4,853+5.4% | $4,593+11.4% | $4,194+22.0% |
| Participant deferral / active EE | $25,984 | $8,237+215.4% | $7,906+228.6% | $6,396+306.2% |
| Admin fee / account holder | $3,147 | $14,976-79.0% | $13,708-77.0% | $12,562-75.0% |