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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 | $405,394 | $111,814+262.6% | $103,374+292.2% | $145,959+177.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 16.90% | 24.77%-7.9pp | 24.89%-8.0pp | 561.95%-545.0pp |
| Employer contribution / active EE | $0 | $4,214-100.0% | $3,869-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $7,500 | $5,618+33.5% | $5,058+48.3% | $6,689+12.1% |
| Admin fee / account holder | $3,441 | $9,754-64.7% | $8,394-59.0% | $13,398-74.3% |