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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 | $309,622 | $100,970+206.6% | $96,576+220.6% | $137,256+125.6% |
| Participation rate | 72.7% | 82.6%-9.9pp | 81.4%-8.7pp | 80.0%-7.2pp |
| Annual return | 11.84% | 38.16%-26.3pp | 38.47%-26.6pp | 220.34%-208.5pp |
| Employer contribution / active EE | $1,107 | $3,809-70.9% | $3,553-68.8% | $4,156-73.4% |
| Participant deferral / active EE | $8,794 | $8,286+6.1% | $7,956+10.5% | $6,407+37.3% |
| Admin fee / account holder | $3,498 | $11,312-69.1% | $11,381-69.3% | $12,270-71.5% |