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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 | $270,929 | $175,231+54.6% | $149,696+81.0% | $139,466+94.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 2.90% | 166.77%-163.9pp | 134.46%-131.6pp | 373.66%-370.8pp |
| Employer contribution / active EE | $15,338 | $5,478+180.0% | $4,821+218.2% | $4,754+222.6% |
| Participant deferral / active EE | $10,080 | $6,521+54.6% | $5,682+77.4% | $6,712+50.2% |
| Admin fee / account holder | $22,619 | $16,155+40.0% | $13,212+71.2% | $11,409+98.3% |