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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 | $365,533 | $91,911+297.7% | $68,612+432.8% | $135,380+170.0% |
| Participation rate | 100.0% | 76.7%+23.3pp | 72.2%+27.8pp | 82.6%+17.4pp |
| Annual return | -9.73% | -8.22%-1.5pp | -4.63%-5.1pp | 519.81%-529.5pp |
| Employer contribution / active EE | $9,809 | $3,924+150.0% | $2,625+273.7% | $4,779+105.3% |
| Participant deferral / active EE | $15,002 | $4,315+247.7% | $3,311+353.1% | $5,609+167.5% |
| Admin fee / account holder | $8,053 | $9,240-12.8% | $5,131+56.9% | $10,828-25.6% |