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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 | $262,842 | $167,522+56.9% | $151,639+73.3% | $134,532+95.4% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -20.98% | 7.81%-28.8pp | 3.34%-24.3pp | 418.27%-439.2pp |
| Employer contribution / active EE | $18,921 | $6,828+177.1% | $6,165+206.9% | $4,741+299.1% |
| Participant deferral / active EE | $19,878 | $8,986+121.2% | $8,363+137.7% | $6,401+210.6% |
| Admin fee / account holder | $561 | $13,780-95.9% | $11,613-95.2% | $11,429-95.1% |