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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $254,960 | $100,805+152.9% | $86,698+194.1% | $134,532+89.5% |
| Participation rate | 85.7% | 79.0%+6.8pp | 76.6%+9.1pp | 81.2%+4.5pp |
| Annual return | -10.93% | 29.09%-40.0pp | 35.95%-46.9pp | 418.27%-429.2pp |
| Employer contribution / active EE | $19,551 | $3,490+460.2% | $2,837+589.2% | $4,741+312.4% |
| Participant deferral / active EE | $12,825 | $5,339+140.2% | $4,656+175.4% | $6,401+100.4% |
| Admin fee / account holder | $7,053 | $10,925-35.4% | $7,493-5.9% | $11,429-38.3% |