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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 | $395,135 | $124,425+217.6% | $112,040+252.7% | $137,256+187.9% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 3.61% | 24.72%-21.1pp | 24.52%-20.9pp | 220.34%-216.7pp |
| Employer contribution / active EE | $28,968 | $3,411+749.1% | $2,954+880.6% | $4,156+597.0% |
| Participant deferral / active EE | $20,655 | $5,718+261.2% | $5,098+305.2% | $6,407+222.4% |
| Admin fee / account holder | $55,025 | $15,207+261.9% | $12,098+354.8% | $12,270+348.4% |