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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 | $289,506 | $167,352+73.0% | $143,788+101.3% | $134,509+115.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -13.85% | 0.47%-14.3pp | -0.03%-13.8pp | 418.13%-432.0pp |
| Employer contribution / active EE | $8,415 | $5,620+49.7% | $4,952+69.9% | $4,741+77.5% |
| Participant deferral / active EE | $6,494 | $6,447+0.7% | $5,638+15.2% | $6,400+1.5% |
| Admin fee / account holder | $4,584 | $18,091-74.7% | $14,675-68.8% | $11,427-59.9% |