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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 | $647,771 | $175,231+269.7% | $149,696+332.7% | $139,466+364.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 9.19% | 166.77%-157.6pp | 134.46%-125.3pp | 373.66%-364.5pp |
| Employer contribution / active EE | $58,714 | $5,478+971.8% | $4,821+1117.9% | $4,754+1135.1% |
| Participant deferral / active EE | $4,286 | $6,521-34.3% | $5,682-24.6% | $6,712-36.1% |
| Admin fee / account holder | $7,118 | $16,155-55.9% | $13,212-46.1% | $11,409-37.6% |