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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 | $263,685 | $90,448+191.5% | $93,786+181.2% | $134,545+96.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 81.0%+19.0pp | 81.2%+18.8pp |
| Annual return | -18.66% | -15.71%-2.9pp | -11.32%-7.3pp | 418.37%-437.0pp |
| Employer contribution / active EE | $3,300 | $4,349-24.1% | $4,328-23.7% | $4,742-30.4% |
| Participant deferral / active EE | $22,750 | $5,983+280.3% | $6,100+273.0% | $6,401+255.4% |
| Admin fee / account holder | $1,773 | $9,232-80.8% | $7,184-75.3% | $11,431-84.5% |