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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 | $1,300,525 | $172,111+655.6% | $150,298+765.3% | $137,256+847.5% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 8.65% | 69.37%-60.7pp | 62.79%-54.1pp | 220.34%-211.7pp |
| Employer contribution / active EE | $27,255 | $4,636+487.9% | $4,154+556.1% | $4,156+555.8% |
| Participant deferral / active EE | $21,365 | $6,166+246.5% | $5,453+291.8% | $6,407+233.5% |
| Admin fee / account holder | $8,071 | $16,471-51.0% | $14,116-42.8% | $12,270-34.2% |