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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 | $1,019,185 | $165,399+516.2% | $149,745+580.6% | $158,982+541.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 7.71% | 348.34%-340.6pp | 276.72%-269.0pp | 302.99%-295.3pp |
| Employer contribution / active EE | $16,394 | $5,105+221.2% | $4,646+252.9% | $4,763+244.2% |
| Participant deferral / active EE | $10,750 | $7,183+49.7% | $6,843+57.1% | $5,983+79.7% |
| Admin fee / account holder | $6,371 | $10,811-41.1% | $9,312-31.6% | $11,252-43.4% |