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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 | $302,897 | $138,072+119.4% | $123,549+145.2% | $135,382+123.7% |
| Participation rate | 80.0% | 84.7%-4.7pp | 82.3%-2.3pp | 82.6%-2.6pp |
| Annual return | -6.87% | 153.69%-160.6pp | 119.20%-126.1pp | 519.77%-526.6pp |
| Employer contribution / active EE | $3,282 | $5,152-36.3% | $4,628-29.1% | $4,779-31.3% |
| Participant deferral / active EE | $8,899 | $6,799+30.9% | $6,426+38.5% | $5,609+58.7% |
| Admin fee / account holder | $2,084 | $10,917-80.9% | $9,284-77.6% | $10,829-80.8% |