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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 | $361,359 | $88,815+306.9% | $81,882+341.3% | $145,897+147.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 7.67% | 1033.75%-1026.1pp | 779.47%-771.8pp | 552.29%-544.6pp |
| Employer contribution / active EE | $10,750 | $3,086+248.3% | $2,916+268.7% | $4,663+130.6% |
| Participant deferral / active EE | $8,750 | $4,647+88.3% | $4,323+102.4% | $6,689+30.8% |
| Admin fee / account holder | $15,147 | $8,434+79.6% | $7,360+105.8% | $13,390+13.1% |