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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 | $1,027,442 | $169,361+506.7% | $129,397+694.0% | $145,877+604.3% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.6%+30.4pp | 80.3%+19.7pp |
| Annual return | 7.05% | 14395.54%-14388.5pp | 9453.98%-9446.9pp | 551.28%-544.2pp |
| Employer contribution / active EE | $27,834 | $5,542+402.3% | $4,154+570.0% | $4,663+496.9% |
| Participant deferral / active EE | $0 | $4,987-100.0% | $4,167-100.0% | $6,691-100.0% |
| Admin fee / account holder | $5,627 | $9,903-43.2% | $7,679-26.7% | $13,402-58.0% |