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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 | $256,808 | $68,097+277.1% | $62,929+308.1% | $137,256+87.1% |
| Participation rate | 100.0% | 77.4%+22.6pp | 73.1%+26.9pp | 80.0%+20.0pp |
| Annual return | 4.73% | 1859.11%-1854.4pp | 1063.93%-1059.2pp | 220.34%-215.6pp |
| Employer contribution / active EE | $21,696 | $2,811+671.8% | $2,505+766.2% | $4,156+422.0% |
| Participant deferral / active EE | $15,250 | $4,553+235.0% | $3,888+292.2% | $6,407+138.0% |
| Admin fee / account holder | $9,620 | $6,521+47.5% | $5,065+89.9% | $12,270-21.6% |