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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 | $339,968 | $167,353+103.1% | $143,797+136.4% | $134,545+152.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.30% | 0.48%-16.8pp | -0.04%-16.3pp | 418.37%-434.7pp |
| Employer contribution / active EE | $13,396 | $5,620+138.3% | $4,952+170.5% | $4,742+182.5% |
| Participant deferral / active EE | $17,578 | $6,447+172.6% | $5,638+211.7% | $6,401+174.6% |
| Admin fee / account holder | $9,700 | $18,096-46.4% | $14,679-33.9% | $11,431-15.1% |