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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 | $290,833 | $175,646+65.6% | $129,118+125.2% | $134,532+116.2% |
| Participation rate | 90.9% | 81.6%+9.4pp | 77.2%+13.7pp | 81.2%+9.7pp |
| Annual return | -12.17% | -11.39%-0.8pp | -10.94%-1.2pp | 418.27%-430.4pp |
| Employer contribution / active EE | $3,713 | $6,355-41.6% | $5,051-26.5% | $4,741-21.7% |
| Participant deferral / active EE | $8,308 | $7,970+4.2% | $6,539+27.0% | $6,401+29.8% |
| Admin fee / account holder | $43,027 | $23,578+82.5% | $14,305+200.8% | $11,429+276.5% |