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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 | $314,004 | $167,362+87.6% | $143,799+118.4% | $134,532+133.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.88% | 0.47%-18.4pp | -0.04%-17.8pp | 418.27%-436.1pp |
| Employer contribution / active EE | $9,986 | $5,620+77.7% | $4,952+101.7% | $4,741+110.6% |
| Participant deferral / active EE | $10,454 | $6,447+62.1% | $5,638+85.4% | $6,401+63.3% |
| Admin fee / account holder | $15,024 | $18,094-17.0% | $14,677+2.4% | $11,429+31.5% |