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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 | $491,154 | $99,011+396.1% | $86,582+467.3% | $147,586+232.8% |
| Participation rate | 100.0% | 76.3%+23.7pp | 73.5%+26.5pp | 82.8%+17.2pp |
| Annual return | -6.68% | 1312.75%-1319.4pp | 965.08%-971.8pp | 578.59%-585.3pp |
| Employer contribution / active EE | $3,555 | $3,132+13.5% | $2,839+25.2% | $4,876-27.1% |
| Participant deferral / active EE | $10,072 | $3,972+153.6% | $3,609+179.1% | $5,439+85.2% |
| Admin fee / account holder | $394 | $5,709-93.1% | $4,904-92.0% | $10,886-96.4% |