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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 | $455,218 | $115,917+292.7% | $100,535+352.8% | $158,982+186.3% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 5.38% | 34.80%-29.4pp | 30.90%-25.5pp | 302.99%-297.6pp |
| Employer contribution / active EE | $9,000 | $4,105+119.2% | $3,419+163.3% | $4,763+89.0% |
| Participant deferral / active EE | $5,009 | $6,677-25.0% | $6,271-20.1% | $5,983-16.3% |
| Admin fee / account holder | $54,367 | $11,002+394.2% | $8,085+572.5% | $11,252+383.2% |