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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 | $280,454 | $167,352+67.6% | $143,788+95.0% | $134,509+108.5% |
| Participation rate | 85.7% | 84.8%+0.9pp | 80.3%+5.4pp | 81.2%+4.5pp |
| Annual return | -17.61% | 0.47%-18.1pp | -0.03%-17.6pp | 418.13%-435.7pp |
| Employer contribution / active EE | $2,563 | $5,620-54.4% | $4,952-48.2% | $4,741-45.9% |
| Participant deferral / active EE | $13,729 | $6,447+112.9% | $5,638+143.5% | $6,400+114.5% |
| Admin fee / account holder | $16,125 | $18,091-10.9% | $14,675+9.9% | $11,427+41.1% |