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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 | $255,526 | $160,070+59.6% | $147,117+73.7% | $145,897+75.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.35% | 98.69%-89.3pp | 420.54%-411.2pp | 552.29%-542.9pp |
| Employer contribution / active EE | $6,957 | $5,285+31.6% | $4,932+41.0% | $4,663+49.2% |
| Participant deferral / active EE | $9,761 | $8,419+15.9% | $8,065+21.0% | $6,689+45.9% |
| Admin fee / account holder | $4,978 | $15,035-66.9% | $12,993-61.7% | $13,390-62.8% |