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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 | $604,406 | $157,304+284.2% | $141,197+328.1% | $152,909+295.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 11.24% | 64.34%-53.1pp | 71.41%-60.2pp | 345.46%-334.2pp |
| Employer contribution / active EE | $28,894 | $5,263+449.1% | $4,736+510.1% | $4,764+506.5% |
| Participant deferral / active EE | $4,913 | $7,111-30.9% | $6,710-26.8% | $5,851-16.0% |
| Admin fee / account holder | $28,602 | $12,126+135.9% | $10,265+178.6% | $11,601+146.6% |