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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 | $562,723 | $101,063+456.8% | $81,473+590.7% | $147,586+281.3% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 11.43% | 32.41%-21.0pp | 38.78%-27.4pp | 578.59%-567.2pp |
| Employer contribution / active EE | $274 | $3,206-91.5% | $2,568-89.3% | $4,876-94.4% |
| Participant deferral / active EE | $0 | $4,242-100.0% | $3,537-100.0% | $5,439-100.0% |
| Admin fee / account holder | $84,401 | $5,812+1352.1% | $4,561+1750.4% | $10,886+675.3% |