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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 | $259,930 | $168,635+54.1% | $147,617+76.1% | $125,389+107.3% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | 0.50% | 77.65%-77.2pp | 61.98%-61.5pp | 282.24%-281.7pp |
| Employer contribution / active EE | $3,655 | $6,252-41.5% | $5,564-34.3% | $4,866-24.9% |
| Participant deferral / active EE | $8,521 | $5,507+54.7% | $4,895+74.1% | $5,352+59.2% |
| Admin fee / account holder | $9,788 | $13,580-27.9% | $11,612-15.7% | $9,541+2.6% |