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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 | $311,070 | $201,344+54.5% | $184,243+68.8% | $145,877+113.2% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 8.96% | 29.01%-20.1pp | 28.82%-19.9pp | 551.28%-542.3pp |
| Employer contribution / active EE | $17,475 | $7,022+148.8% | $6,427+171.9% | $4,663+274.8% |
| Participant deferral / active EE | $21,968 | $9,807+124.0% | $9,132+140.5% | $6,691+228.3% |
| Admin fee / account holder | $554 | $16,382-96.6% | $13,914-96.0% | $13,402-95.9% |