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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 | $268,596 | $72,071+272.7% | $68,368+292.9% | $137,256+95.7% |
| Participation rate | 83.3% | 76.2%+7.1pp | 73.8%+9.6pp | 80.0%+3.4pp |
| Annual return | 12.03% | 353.14%-341.1pp | 292.57%-280.5pp | 220.34%-208.3pp |
| Employer contribution / active EE | $3,802 | $2,788+36.4% | $2,649+43.5% | $4,156-8.5% |
| Participant deferral / active EE | $770 | $4,410-82.6% | $4,123-81.3% | $6,407-88.0% |
| Admin fee / account holder | $37,992 | $5,336+612.1% | $5,150+637.7% | $12,270+209.6% |