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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 | $532,492 | $154,228+245.3% | $145,433+266.1% | $137,256+288.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 11.84% | 74.59%-62.7pp | 66.58%-54.7pp | 220.34%-208.5pp |
| Employer contribution / active EE | $6,277 | $4,804+30.7% | $4,554+37.8% | $4,156+51.0% |
| Participant deferral / active EE | $16,143 | $8,216+96.5% | $7,897+104.4% | $6,407+152.0% |
| Admin fee / account holder | $15,091 | $14,344+5.2% | $13,129+14.9% | $12,270+23.0% |