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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 | $380,054 | $95,193+299.2% | $76,523+396.7% | $135,382+180.7% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -6.24% | 4.85%-11.1pp | -0.27%-6.0pp | 519.77%-526.0pp |
| Employer contribution / active EE | $22,026 | $3,302+567.0% | $2,647+732.1% | $4,779+360.9% |
| Participant deferral / active EE | $13,450 | $4,639+189.9% | $3,835+250.7% | $5,609+139.8% |
| Admin fee / account holder | $4,320 | $6,249-30.9% | $4,848-10.9% | $10,829-60.1% |