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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 | $266,352 | $167,522+59.0% | $151,639+75.6% | $134,532+98.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -12.70% | 7.81%-20.5pp | 3.34%-16.0pp | 418.27%-431.0pp |
| Employer contribution / active EE | $13,396 | $6,828+96.2% | $6,165+117.3% | $4,741+182.5% |
| Participant deferral / active EE | $33,000 | $8,986+267.2% | $8,363+294.6% | $6,401+415.6% |
| Admin fee / account holder | $6,335 | $13,780-54.0% | $11,613-45.5% | $11,429-44.6% |