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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 | $665,422 | $92,219+621.6% | $76,767+766.8% | $135,380+391.5% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -3.65% | 5.46%-9.1pp | 2.43%-6.1pp | 519.81%-523.5pp |
| Employer contribution / active EE | $36,500 | $3,216+1035.0% | $2,485+1368.7% | $4,779+663.8% |
| Participant deferral / active EE | $0 | $4,508-100.0% | $3,852-100.0% | $5,609-100.0% |
| Admin fee / account holder | $4,902 | $10,749-54.4% | $6,675-26.6% | $10,828-54.7% |