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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 | $290,179 | $182,442+59.1% | $163,379+77.6% | $138,895+108.9% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 9.72% | 72.74%-63.0pp | 63.41%-53.7pp | 145.39%-135.7pp |
| Employer contribution / active EE | $5,577 | $4,159+34.1% | $3,752+48.6% | $4,194+33.0% |
| Participant deferral / active EE | $12,241 | $6,817+79.6% | $6,282+94.9% | $6,396+91.4% |
| Admin fee / account holder | $1,443 | $10,396-86.1% | $9,818-85.3% | $12,562-88.5% |