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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 | $716,731 | $138,114+418.9% | $125,391+471.6% | $134,545+432.7% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -31.64% | 750.88%-782.5pp | 572.41%-604.1pp | 418.37%-450.0pp |
| Employer contribution / active EE | $13,444 | $5,246+156.3% | $4,816+179.2% | $4,742+183.5% |
| Participant deferral / active EE | $21,771 | $7,801+179.1% | $7,448+192.3% | $6,401+240.1% |
| Admin fee / account holder | $257,683 | $11,570+2127.2% | $10,009+2474.6% | $11,431+2154.3% |