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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 | $285,006 | $142,392+100.2% | $119,622+138.3% | $134,532+111.8% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -14.16% | -12.46%-1.7pp | -14.98%+0.8pp | 418.27%-432.4pp |
| Employer contribution / active EE | $3,962 | $5,224-24.2% | $4,232-6.4% | $4,741-16.4% |
| Participant deferral / active EE | $8,158 | $6,467+26.1% | $5,601+45.7% | $6,401+27.5% |
| Admin fee / account holder | $3,210 | $13,593-76.4% | $10,328-68.9% | $11,429-71.9% |