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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 | $258,135 | $135,645+90.3% | $110,243+134.2% | $135,380+90.7% |
| Participation rate | 80.0% | 83.5%-3.5pp | 79.8%+0.2pp | 82.6%-2.6pp |
| Annual return | -3.92% | 513.24%-517.2pp | 314.76%-318.7pp | 519.81%-523.7pp |
| Employer contribution / active EE | $1,431 | $4,907-70.8% | $3,827-62.6% | $4,779-70.1% |
| Participant deferral / active EE | $22,195 | $5,507+303.0% | $4,672+375.0% | $5,609+295.7% |
| Admin fee / account holder | $647 | $11,458-94.4% | $8,548-92.4% | $10,828-94.0% |