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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 | $304,556 | $95,917+217.5% | $79,583+282.7% | $134,545+126.4% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -17.92% | -2.70%-15.2pp | 0.16%-18.1pp | 418.37%-436.3pp |
| Employer contribution / active EE | $2,254 | $3,129-28.0% | $2,414-6.6% | $4,742-52.5% |
| Participant deferral / active EE | $8,145 | $4,694+73.5% | $3,986+104.4% | $6,401+27.2% |
| Admin fee / account holder | $5,653 | $9,132-38.1% | $6,835-17.3% | $11,431-50.5% |