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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 | $748,798 | $167,353+347.4% | $143,797+420.7% | $134,545+456.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.92% | 0.48%-18.4pp | -0.04%-17.9pp | 418.37%-436.3pp |
| Employer contribution / active EE | $37,108 | $5,620+560.2% | $4,952+649.3% | $4,742+682.6% |
| Participant deferral / active EE | $19,919 | $6,447+209.0% | $5,638+253.3% | $6,401+211.2% |
| Admin fee / account holder | $20,177 | $18,096+11.5% | $14,679+37.5% | $11,431+76.5% |