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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 | $464,800 | $155,555+198.8% | $146,866+216.5% | $155,188+199.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 8.84% | 115.41%-106.6pp | 102.85%-94.0pp | 148.84%-140.0pp |
| Employer contribution / active EE | $5,683 | $4,647+22.3% | $4,425+28.4% | $4,248+33.8% |
| Participant deferral / active EE | $3,179 | $8,044-60.5% | $7,759-59.0% | $6,531-51.3% |
| Admin fee / account holder | $50,002 | $14,755+238.9% | $13,620+267.1% | $14,480+245.3% |