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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 | $174,379+99.8% | $152,093+129.0% | $138,895+150.8% |
| Participation rate | 81.8% | 81.6%+0.2pp | 77.8%+4.1pp | 79.9%+1.9pp |
| Annual return | 9.51% | 74.86%-65.3pp | 66.36%-56.8pp | 145.39%-135.9pp |
| Employer contribution / active EE | $11,378 | $4,652+144.6% | $4,175+172.5% | $4,194+171.3% |
| Participant deferral / active EE | $11,798 | $6,159+91.5% | $5,451+116.4% | $6,396+84.4% |
| Admin fee / account holder | $560 | $16,880-96.7% | $14,497-96.1% | $12,562-95.5% |