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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 | $341,217 | $154,228+121.2% | $145,433+134.6% | $137,256+148.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 9.25% | 74.59%-65.3pp | 66.58%-57.3pp | 220.34%-211.1pp |
| Employer contribution / active EE | $2,026 | $4,804-57.8% | $4,554-55.5% | $4,156-51.3% |
| Participant deferral / active EE | $15,918 | $8,216+93.7% | $7,897+101.6% | $6,407+148.5% |
| Admin fee / account holder | $683 | $14,344-95.2% | $13,129-94.8% | $12,270-94.4% |