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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 | $1,178,064 | $165,361+612.4% | $149,715+686.9% | $158,950+641.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 5.57% | 348.24%-342.7pp | 276.66%-271.1pp | 302.91%-297.3pp |
| Employer contribution / active EE | $12,123 | $5,103+137.6% | $4,645+161.0% | $4,762+154.6% |
| Participant deferral / active EE | $9,295 | $7,182+29.4% | $6,842+35.8% | $5,983+55.4% |
| Admin fee / account holder | $59,304 | $10,808+448.7% | $9,310+537.0% | $11,248+427.2% |