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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 | $268,517 | $167,352+60.5% | $143,788+86.7% | $134,509+99.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.73% | 0.47%-17.2pp | -0.03%-16.7pp | 418.13%-434.9pp |
| Employer contribution / active EE | $4,246 | $5,620-24.4% | $4,952-14.3% | $4,741-10.4% |
| Participant deferral / active EE | $3,260 | $6,447-49.4% | $5,638-42.2% | $6,400-49.1% |
| Admin fee / account holder | $994 | $18,091-94.5% | $14,675-93.2% | $11,427-91.3% |