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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 | $251,567 | $201,372+24.9% | $184,260+36.5% | $145,884+72.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 7.40% | 29.04%-21.6pp | 28.84%-21.4pp | 551.85%-544.5pp |
| Employer contribution / active EE | $11,784 | $7,024+67.8% | $6,427+83.3% | $4,662+152.8% |
| Participant deferral / active EE | $18,376 | $9,808+87.4% | $9,133+101.2% | $6,690+174.7% |
| Admin fee / account holder | $4,804 | $16,362-70.6% | $13,898-65.4% | $13,392-64.1% |