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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 | $251,536 | $105,867+137.6% | $90,760+177.1% | $134,532+87.0% |
| Participation rate | 100.0% | 78.3%+21.7pp | 75.7%+24.3pp | 81.2%+18.8pp |
| Annual return | -18.78% | -10.99%-7.8pp | -12.16%-6.6pp | 418.27%-437.0pp |
| Employer contribution / active EE | $3,762 | $3,464+8.6% | $2,922+28.8% | $4,741-20.7% |
| Participant deferral / active EE | $10,907 | $5,217+109.1% | $4,565+138.9% | $6,401+70.4% |
| Admin fee / account holder | $8,926 | $13,936-35.9% | $8,444+5.7% | $11,429-21.9% |