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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 | $435,074 | $142,392+205.5% | $119,622+263.7% | $134,532+223.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -14.32% | -12.46%-1.9pp | -14.98%+0.7pp | 418.27%-432.6pp |
| Employer contribution / active EE | $4,463 | $5,224-14.6% | $4,232+5.5% | $4,741-5.9% |
| Participant deferral / active EE | $11,350 | $6,467+75.5% | $5,601+102.7% | $6,401+77.3% |
| Admin fee / account holder | $3,335 | $13,593-75.5% | $10,328-67.7% | $11,429-70.8% |