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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 | $964,133 | $102,609+839.6% | $98,090+882.9% | $138,895+594.1% |
| Participation rate | 75.0% | 82.8%-7.8pp | 81.5%-6.5pp | 79.9%-4.9pp |
| Annual return | 10.03% | 36.44%-26.4pp | 37.05%-27.0pp | 145.39%-135.4pp |
| Employer contribution / active EE | $1,757 | $3,867-54.6% | $3,606-51.3% | $4,194-58.1% |
| Participant deferral / active EE | $16,906 | $8,167+107.0% | $7,845+115.5% | $6,396+164.3% |
| Admin fee / account holder | $50,399 | $11,434+340.8% | $11,815+326.6% | $12,562+301.2% |