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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 | $525,013 | $142,392+268.7% | $119,622+338.9% | $134,532+290.3% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -21.01% | -12.46%-8.5pp | -14.98%-6.0pp | 418.27%-439.3pp |
| Employer contribution / active EE | $5,506 | $5,224+5.4% | $4,232+30.1% | $4,741+16.1% |
| Participant deferral / active EE | $12,393 | $6,467+91.6% | $5,601+121.3% | $6,401+93.6% |
| Admin fee / account holder | $1,317 | $13,593-90.3% | $10,328-87.3% | $11,429-88.5% |