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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 | $379,981 | $127,387+198.3% | $115,038+230.3% | $125,389+203.0% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -0.29% | 31.28%-31.6pp | 26.14%-26.4pp | 282.24%-282.5pp |
| Employer contribution / active EE | $8,990 | $5,166+74.0% | $4,608+95.1% | $4,866+84.7% |
| Participant deferral / active EE | $12,467 | $6,423+94.1% | $6,026+106.9% | $5,352+133.0% |
| Admin fee / account holder | $943 | $9,516-90.1% | $8,175-88.5% | $9,541-90.1% |