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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 | $262,097 | $133,998+95.6% | $112,263+133.5% | $134,545+94.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -14.81% | 47.17%-62.0pp | 27.49%-42.3pp | 418.37%-433.2pp |
| Employer contribution / active EE | $3,079 | $4,040-23.8% | $3,636-15.3% | $4,742-35.1% |
| Participant deferral / active EE | $6,730 | $5,292+27.2% | $4,729+42.3% | $6,401+5.1% |
| Admin fee / account holder | $2,083 | $7,493-72.2% | $6,410-67.5% | $11,431-81.8% |