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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 | $265,338 | $167,362+58.5% | $143,799+84.5% | $134,532+97.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -11.77% | 0.47%-12.2pp | -0.04%-11.7pp | 418.27%-430.0pp |
| Employer contribution / active EE | $7,522 | $5,620+33.8% | $4,952+51.9% | $4,741+58.7% |
| Participant deferral / active EE | $5,720 | $6,447-11.3% | $5,638+1.4% | $6,401-10.6% |
| Admin fee / account holder | $2,087 | $18,094-88.5% | $14,677-85.8% | $11,429-81.7% |