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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 | $314,216 | $127,387+146.7% | $115,038+173.1% | $125,389+150.6% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -2.54% | 31.28%-33.8pp | 26.14%-28.7pp | 282.24%-284.8pp |
| Employer contribution / active EE | $2,480 | $5,166-52.0% | $4,608-46.2% | $4,866-49.0% |
| Participant deferral / active EE | $7,149 | $6,423+11.3% | $6,026+18.6% | $5,352+33.6% |
| Admin fee / account holder | $1,588 | $9,516-83.3% | $8,175-80.6% | $9,541-83.4% |