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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 | $289,011 | $72,071+301.0% | $68,368+322.7% | $137,256+110.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 11.78% | 353.14%-341.4pp | 292.57%-280.8pp | 220.34%-208.6pp |
| Employer contribution / active EE | $1,982 | $2,788-28.9% | $2,649-25.2% | $4,156-52.3% |
| Participant deferral / active EE | $7,775 | $4,410+76.3% | $4,123+88.6% | $6,407+21.4% |
| Admin fee / account holder | $3,888 | $5,336-27.1% | $5,150-24.5% | $12,270-68.3% |