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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 | $345,822 | $96,678+257.7% | $86,640+299.1% | $139,466+148.0% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 6.81% | 106.69%-99.9pp | 592.52%-585.7pp | 373.66%-366.9pp |
| Employer contribution / active EE | $18,332 | $3,265+461.4% | $3,024+506.2% | $4,754+285.6% |
| Participant deferral / active EE | $5,820 | $4,837+20.3% | $4,438+31.1% | $6,712-13.3% |
| Admin fee / account holder | $2,616 | $6,410-59.2% | $5,616-53.4% | $11,409-77.1% |