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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 | $334,200 | $167,362+99.7% | $143,799+132.4% | $134,532+148.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.06% | 0.47%-17.5pp | -0.04%-17.0pp | 418.27%-435.3pp |
| Employer contribution / active EE | $8,436 | $5,620+50.1% | $4,952+70.4% | $4,741+77.9% |
| Participant deferral / active EE | $6,129 | $6,447-4.9% | $5,638+8.7% | $6,401-4.2% |
| Admin fee / account holder | $3,303 | $18,094-81.7% | $14,677-77.5% | $11,429-71.1% |