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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 | $284,180 | $99,032+187.0% | $80,022+255.1% | $135,380+109.9% |
| Participation rate | 75.0% | 78.4%-3.4pp | 75.8%-0.8pp | 82.6%-7.6pp |
| Annual return | -3.75% | 15.39%-19.1pp | 11.22%-15.0pp | 519.81%-523.6pp |
| Employer contribution / active EE | $2,334 | $3,043-23.3% | $2,468-5.5% | $4,779-51.2% |
| Participant deferral / active EE | $8,760 | $4,282+104.6% | $3,686+137.7% | $5,609+56.2% |
| Admin fee / account holder | $101,070 | $10,436+868.5% | $6,521+1449.9% | $10,828+833.4% |