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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 | $554,162 | $217,432+154.9% | $185,849+198.2% | $167,536+230.8% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 5.03% | 148.42%-143.4pp | 122.10%-117.1pp | 478.82%-473.8pp |
| Employer contribution / active EE | $11,995 | $5,875+104.2% | $5,169+132.1% | $4,839+147.9% |
| Participant deferral / active EE | $12,735 | $6,357+100.3% | $5,569+128.7% | $6,342+100.8% |
| Admin fee / account holder | $4,724 | $19,818-76.2% | $16,244-70.9% | $12,315-61.6% |