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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 | $298,039 | $167,362+78.1% | $143,799+107.3% | $134,532+121.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.15% | 0.47%-16.6pp | -0.04%-16.1pp | 418.27%-434.4pp |
| Employer contribution / active EE | $7,533 | $5,620+34.0% | $4,952+52.1% | $4,741+58.9% |
| Participant deferral / active EE | $15,143 | $6,447+134.9% | $5,638+168.6% | $6,401+136.6% |
| Admin fee / account holder | $814 | $18,094-95.5% | $14,677-94.5% | $11,429-92.9% |