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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 | $343,084 | $167,362+105.0% | $143,799+138.6% | $134,532+155.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.85% | 0.47%-17.3pp | -0.04%-16.8pp | 418.27%-435.1pp |
| Employer contribution / active EE | $9,611 | $5,620+71.0% | $4,952+94.1% | $4,741+102.7% |
| Participant deferral / active EE | $10,102 | $6,447+56.7% | $5,638+79.2% | $6,401+57.8% |
| Admin fee / account holder | $26,282 | $18,094+45.3% | $14,677+79.1% | $11,429+130.0% |