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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 | $411,843 | $160,028+157.4% | $147,080+180.0% | $145,884+182.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.34% | 98.60%-90.3pp | 420.17%-411.8pp | 551.85%-543.5pp |
| Employer contribution / active EE | $2,325 | $5,286-56.0% | $4,933-52.9% | $4,662-50.1% |
| Participant deferral / active EE | $3,858 | $8,422-54.2% | $8,066-52.2% | $6,690-42.3% |
| Admin fee / account holder | $12,106 | $15,030-19.5% | $12,989-6.8% | $13,392-9.6% |