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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 | $327,549 | $167,362+95.7% | $143,799+127.8% | $134,532+143.5% |
| Participation rate | 87.5% | 84.8%+2.7pp | 80.3%+7.2pp | 81.2%+6.3pp |
| Annual return | -16.98% | 0.47%-17.5pp | -0.04%-16.9pp | 418.27%-435.2pp |
| Employer contribution / active EE | $6,091 | $5,620+8.4% | $4,952+23.0% | $4,741+28.5% |
| Participant deferral / active EE | $8,870 | $6,447+37.6% | $5,638+57.3% | $6,401+38.6% |
| Admin fee / account holder | $10,034 | $18,094-44.5% | $14,677-31.6% | $11,429-12.2% |