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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 | $430,046 | $217,432+97.8% | $185,851+131.4% | $167,553+156.7% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 8.10% | 148.43%-140.3pp | 122.11%-114.0pp | 478.89%-470.8pp |
| Employer contribution / active EE | $13,614 | $5,874+131.7% | $5,168+163.4% | $4,840+181.3% |
| Participant deferral / active EE | $13,800 | $6,357+117.1% | $5,569+147.8% | $6,343+117.6% |
| Admin fee / account holder | $4,340 | $19,820-78.1% | $16,245-73.3% | $12,316-64.8% |