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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 | $417,407 | $100,792+314.1% | $86,691+381.5% | $134,509+210.3% |
| Participation rate | 100.0% | 78.9%+21.1pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -16.82% | 29.08%-45.9pp | 35.94%-52.8pp | 418.13%-435.0pp |
| Employer contribution / active EE | $8,194 | $3,491+134.7% | $2,837+188.8% | $4,741+72.8% |
| Participant deferral / active EE | $8,165 | $5,339+52.9% | $4,656+75.4% | $6,400+27.6% |
| Admin fee / account holder | $2,003 | $10,924-81.7% | $7,492-73.3% | $11,427-82.5% |