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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 | $269,264 | $127,387+111.4% | $115,038+134.1% | $125,389+114.7% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -1.76% | 31.28%-33.0pp | 26.14%-27.9pp | 282.24%-284.0pp |
| Employer contribution / active EE | $14,154 | $5,166+174.0% | $4,608+207.2% | $4,866+190.9% |
| Participant deferral / active EE | $12,380 | $6,423+92.7% | $6,026+105.4% | $5,352+131.3% |
| Admin fee / account holder | $10,193 | $9,516+7.1% | $8,175+24.7% | $9,541+6.8% |