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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 | $344,105 | $129,737+165.2% | $119,126+188.9% | $154,746+122.4% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 9.09% | 379.08%-370.0pp | 282.11%-273.0pp | 172.34%-163.2pp |
| Employer contribution / active EE | $10,036 | $4,375+129.4% | $4,034+148.8% | $4,379+129.2% |
| Participant deferral / active EE | $9,870 | $5,842+69.0% | $5,318+85.6% | $6,730+46.7% |
| Admin fee / account holder | $1,937 | $11,961-83.8% | $10,693-81.9% | $14,365-86.5% |