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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 | $442,932 | $72,071+514.6% | $68,368+547.9% | $137,256+222.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 12.89% | 353.14%-340.2pp | 292.57%-279.7pp | 220.34%-207.4pp |
| Employer contribution / active EE | $4,653 | $2,788+66.9% | $2,649+75.6% | $4,156+11.9% |
| Participant deferral / active EE | $15,592 | $4,410+253.6% | $4,123+278.2% | $6,407+143.4% |
| Admin fee / account holder | $15,768 | $5,336+195.5% | $5,150+206.2% | $12,270+28.5% |