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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 | $302,212 | $167,522+80.4% | $151,639+99.3% | $134,532+124.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -11.72% | 7.81%-19.5pp | 3.34%-15.1pp | 418.27%-430.0pp |
| Employer contribution / active EE | $14,745 | $6,828+115.9% | $6,165+139.2% | $4,741+211.0% |
| Participant deferral / active EE | $11,630 | $8,986+29.4% | $8,363+39.1% | $6,401+81.7% |
| Admin fee / account holder | $426 | $13,780-96.9% | $11,613-96.3% | $11,429-96.3% |