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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 | $267,863 | $167,362+60.0% | $143,799+86.3% | $134,532+99.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -8.44% | 0.47%-8.9pp | -0.04%-8.4pp | 418.27%-426.7pp |
| Employer contribution / active EE | $6,563 | $5,620+16.8% | $4,952+32.5% | $4,741+38.4% |
| Participant deferral / active EE | $10,048 | $6,447+55.8% | $5,638+78.2% | $6,401+57.0% |
| Admin fee / account holder | $17,745 | $18,094-1.9% | $14,677+20.9% | $11,429+55.3% |