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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 | $839,848 | $176,120+376.9% | $159,487+426.6% | $167,553+401.2% |
| Participation rate | 83.3% | 85.0%-1.6pp | 82.8%+0.5pp | 82.1%+1.2pp |
| Annual return | 9.71% | 331.95%-322.2pp | 263.71%-254.0pp | 478.89%-469.2pp |
| Employer contribution / active EE | $13,280 | $5,299+150.6% | $4,831+174.9% | $4,840+174.4% |
| Participant deferral / active EE | $8,667 | $7,752+11.8% | $7,354+17.9% | $6,343+36.6% |
| Admin fee / account holder | $15,702 | $12,561+25.0% | $10,804+45.3% | $12,316+27.5% |