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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 | $539,134 | $167,353+222.2% | $143,797+274.9% | $134,545+300.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -4.97% | 0.48%-5.4pp | -0.04%-4.9pp | 418.37%-423.3pp |
| Employer contribution / active EE | $19,814 | $5,620+252.5% | $4,952+300.1% | $4,742+317.9% |
| Participant deferral / active EE | $2,167 | $6,447-66.4% | $5,638-61.6% | $6,401-66.2% |
| Admin fee / account holder | $5,794 | $18,096-68.0% | $14,679-60.5% | $11,431-49.3% |