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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 | $411,554 | $167,362+145.9% | $143,799+186.2% | $134,532+205.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -14.07% | 0.47%-14.5pp | -0.04%-14.0pp | 418.27%-432.3pp |
| Employer contribution / active EE | $4,809 | $5,620-14.4% | $4,952-2.9% | $4,741+1.4% |
| Participant deferral / active EE | $18,208 | $6,447+182.4% | $5,638+222.9% | $6,401+184.5% |
| Admin fee / account holder | $4,635 | $18,094-74.4% | $14,677-68.4% | $11,429-59.4% |