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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 | $331,396 | $167,353+98.0% | $143,797+130.5% | $134,545+146.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -13.67% | 0.48%-14.2pp | -0.04%-13.6pp | 418.37%-432.0pp |
| Employer contribution / active EE | $3,524 | $5,620-37.3% | $4,952-28.8% | $4,742-25.7% |
| Participant deferral / active EE | $15,373 | $6,447+138.4% | $5,638+172.6% | $6,401+140.1% |
| Admin fee / account holder | $553 | $18,096-96.9% | $14,679-96.2% | $11,431-95.2% |