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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 | $349,517 | $129,960+168.9% | $104,299+235.1% | $134,545+159.8% |
| Participation rate | 100.0% | 79.5%+20.5pp | 73.3%+26.7pp | 81.2%+18.8pp |
| Annual return | -15.81% | 42.06%-57.9pp | 24.62%-40.4pp | 418.37%-434.2pp |
| Employer contribution / active EE | $45,068 | $4,186+976.6% | $3,373+1236.1% | $4,742+850.5% |
| Participant deferral / active EE | $13,500 | $5,589+141.5% | $4,626+191.8% | $6,401+110.9% |
| Admin fee / account holder | $4,148 | $9,324-55.5% | $7,339-43.5% | $11,431-63.7% |