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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 | $426,636 | $167,504+154.7% | $151,628+181.4% | $134,509+217.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -19.39% | 7.81%-27.2pp | 3.34%-22.7pp | 418.13%-437.5pp |
| Employer contribution / active EE | $12,396 | $6,828+81.6% | $6,165+101.1% | $4,741+161.5% |
| Participant deferral / active EE | $12,246 | $8,985+36.3% | $8,363+46.4% | $6,400+91.3% |
| Admin fee / account holder | $112,013 | $13,779+713.0% | $11,613+864.6% | $11,427+880.3% |