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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 | $376,908 | $167,323+125.3% | $143,770+162.2% | $134,493+180.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -18.89% | 0.47%-19.4pp | -0.04%-18.8pp | 418.01%-436.9pp |
| Employer contribution / active EE | $11,829 | $5,619+110.5% | $4,951+138.9% | $4,740+149.6% |
| Participant deferral / active EE | $6,260 | $6,446-2.9% | $5,638+11.0% | $6,400-2.2% |
| Admin fee / account holder | $3,075 | $18,088-83.0% | $14,673-79.0% | $11,425-73.1% |