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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 | $336,136 | $167,353+100.9% | $143,797+133.8% | $134,545+149.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -21.44% | 0.48%-21.9pp | -0.04%-21.4pp | 418.37%-439.8pp |
| Employer contribution / active EE | $3,333 | $5,620-40.7% | $4,952-32.7% | $4,742-29.7% |
| Participant deferral / active EE | $18,012 | $6,447+179.4% | $5,638+219.5% | $6,401+181.4% |
| Admin fee / account holder | $2,472 | $18,096-86.3% | $14,679-83.2% | $11,431-78.4% |