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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 | $338,087 | $133,998+152.3% | $112,263+201.2% | $134,545+151.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -15.43% | 47.17%-62.6pp | 27.49%-42.9pp | 418.37%-433.8pp |
| Employer contribution / active EE | $25,667 | $4,040+535.3% | $3,636+605.9% | $4,742+441.3% |
| Participant deferral / active EE | $22,333 | $5,292+322.0% | $4,729+372.2% | $6,401+248.9% |
| Admin fee / account holder | $2,345 | $7,493-68.7% | $6,410-63.4% | $11,431-79.5% |