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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 | $303,552 | $140,592+115.9% | $123,105+146.6% | $125,389+142.1% |
| Participation rate | 100.0% | 88.2%+11.8pp | 86.8%+13.2pp | 83.2%+16.8pp |
| Annual return | -2.95% | 16.80%-19.7pp | 13.22%-16.2pp | 282.24%-285.2pp |
| Employer contribution / active EE | $11,066 | $6,041+83.2% | $5,151+114.8% | $4,866+127.4% |
| Participant deferral / active EE | $17,837 | $6,980+155.5% | $6,229+186.3% | $5,352+233.3% |
| Admin fee / account holder | $859 | $11,198-92.3% | $9,014-90.5% | $9,541-91.0% |