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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 | $271,619 | $167,362+62.3% | $143,799+88.9% | $134,532+101.9% |
| Participation rate | 71.4% | 84.8%-13.4pp | 80.3%-8.9pp | 81.2%-9.8pp |
| Annual return | -18.98% | 0.47%-19.5pp | -0.04%-18.9pp | 418.27%-437.2pp |
| Employer contribution / active EE | $6,662 | $5,620+18.5% | $4,952+34.5% | $4,741+40.5% |
| Participant deferral / active EE | $8,318 | $6,447+29.0% | $5,638+47.5% | $6,401+30.0% |
| Admin fee / account holder | $3,172 | $18,094-82.5% | $14,677-78.4% | $11,429-72.2% |