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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 | $348,351 | $185,312+88.0% | $161,489+115.7% | $154,746+125.1% |
| Participation rate | 81.8% | 82.5%-0.6pp | 78.7%+3.1pp | 80.7%+1.1pp |
| Annual return | 9.51% | 103.84%-94.3pp | 89.72%-80.2pp | 172.34%-162.8pp |
| Employer contribution / active EE | $11,378 | $4,769+138.6% | $4,268+166.6% | $4,379+159.8% |
| Participant deferral / active EE | $11,798 | $6,350+85.8% | $5,630+109.6% | $6,730+75.3% |
| Admin fee / account holder | $560 | $18,654-97.0% | $16,006-96.5% | $14,365-96.1% |