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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 | $252,326 | $167,362+50.8% | $143,799+75.5% | $134,532+87.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -18.67% | 0.47%-19.1pp | -0.04%-18.6pp | 418.27%-436.9pp |
| Employer contribution / active EE | $8,333 | $5,620+48.3% | $4,952+68.3% | $4,741+75.8% |
| Participant deferral / active EE | $7,237 | $6,447+12.2% | $5,638+28.3% | $6,401+13.1% |
| Admin fee / account holder | $1,751 | $18,094-90.3% | $14,677-88.1% | $11,429-84.7% |