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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 | $343,326 | $131,835+160.4% | $108,582+216.2% | $273,972+25.3% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 7.24% | -91.57%+98.8pp | -51.70%+58.9pp | 41.46%-34.2pp |
| Employer contribution / active EE | $4,533 | $4,913-7.7% | $3,758+20.6% | $4,869-6.9% |
| Participant deferral / active EE | $10,226 | $5,127+99.4% | $4,311+137.2% | $5,287+93.4% |
| Admin fee / account holder | $19,319 | $10,253+88.4% | $7,645+152.7% | $10,133+90.7% |