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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 | $275,213 | $127,387+116.0% | $115,038+139.2% | $125,389+119.5% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -2.38% | 31.28%-33.7pp | 26.14%-28.5pp | 282.24%-284.6pp |
| Employer contribution / active EE | $11,921 | $5,166+130.7% | $4,608+158.7% | $4,866+145.0% |
| Participant deferral / active EE | $11,293 | $6,423+75.8% | $6,026+87.4% | $5,352+111.0% |
| Admin fee / account holder | $2,105 | $9,516-77.9% | $8,175-74.3% | $9,541-77.9% |