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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 | $313,600 | $129,737+141.7% | $119,126+163.2% | $154,746+102.7% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 7.36% | 379.08%-371.7pp | 282.11%-274.7pp | 172.34%-165.0pp |
| Employer contribution / active EE | $10,884 | $4,375+148.8% | $4,034+169.8% | $4,379+148.6% |
| Participant deferral / active EE | $3,552 | $5,842-39.2% | $5,318-33.2% | $6,730-47.2% |
| Admin fee / account holder | $671 | $11,961-94.4% | $10,693-93.7% | $14,365-95.3% |