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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 | $321,096 | $167,353+91.9% | $143,797+123.3% | $134,545+138.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -18.64% | 0.48%-19.1pp | -0.04%-18.6pp | 418.37%-437.0pp |
| Employer contribution / active EE | $16,367 | $5,620+191.2% | $4,952+230.5% | $4,742+245.2% |
| Participant deferral / active EE | $14,952 | $6,447+131.9% | $5,638+165.2% | $6,401+133.6% |
| Admin fee / account holder | $2,285 | $18,096-87.4% | $14,679-84.4% | $11,431-80.0% |