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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 | $369,402 | $167,353+120.7% | $143,797+156.9% | $134,545+174.6% |
| Participation rate | 80.0% | 84.8%-4.8pp | 80.3%-0.3pp | 81.2%-1.2pp |
| Annual return | -18.00% | 0.48%-18.5pp | -0.04%-18.0pp | 418.37%-436.4pp |
| Employer contribution / active EE | $9,397 | $5,620+67.2% | $4,952+89.7% | $4,742+98.2% |
| Participant deferral / active EE | $6,046 | $6,447-6.2% | $5,638+7.2% | $6,401-5.6% |
| Admin fee / account holder | $532 | $18,096-97.1% | $14,679-96.4% | $11,431-95.3% |