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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 | $270,200 | $167,522+61.3% | $151,639+78.2% | $134,532+100.8% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -12.89% | 7.81%-20.7pp | 3.34%-16.2pp | 418.27%-431.2pp |
| Employer contribution / active EE | $3,247 | $6,828-52.4% | $6,165-47.3% | $4,741-31.5% |
| Participant deferral / active EE | $5,574 | $8,986-38.0% | $8,363-33.3% | $6,401-12.9% |
| Admin fee / account holder | $7,256 | $13,780-47.3% | $11,613-37.5% | $11,429-36.5% |