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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 | $453,066 | $108,897+316.0% | $100,378+351.4% | $145,877+210.6% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 9.97% | 58.17%-48.2pp | 49.41%-39.4pp | 551.28%-541.3pp |
| Employer contribution / active EE | $2,750 | $4,420-37.8% | $3,942-30.2% | $4,663-41.0% |
| Participant deferral / active EE | $6,500 | $8,455-23.1% | $8,087-19.6% | $6,691-2.8% |
| Admin fee / account holder | $5,555 | $9,690-42.7% | $7,899-29.7% | $13,402-58.6% |