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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 | $337,916 | $88,778+280.6% | $81,844+312.9% | $145,884+131.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 8.63% | 1033.03%-1024.4pp | 778.87%-770.2pp | 551.85%-543.2pp |
| Employer contribution / active EE | $11,849 | $3,087+283.8% | $2,916+306.3% | $4,662+154.1% |
| Participant deferral / active EE | $20,447 | $4,648+339.9% | $4,323+372.9% | $6,690+205.6% |
| Admin fee / account holder | $104,099 | $8,430+1134.8% | $7,355+1315.3% | $13,392+677.3% |