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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 | $513,387 | $95,188+439.3% | $76,518+570.9% | $135,380+279.2% |
| Participation rate | 80.0% | 74.4%+5.6pp | 68.0%+12.0pp | 82.6%-2.6pp |
| Annual return | -6.33% | 4.85%-11.2pp | -0.27%-6.1pp | 519.81%-526.1pp |
| Employer contribution / active EE | $219 | $3,303-93.4% | $2,647-91.7% | $4,779-95.4% |
| Participant deferral / active EE | $4,800 | $4,640+3.5% | $3,836+25.1% | $5,609-14.4% |
| Admin fee / account holder | $20,025 | $6,249+220.4% | $4,849+313.0% | $10,828+84.9% |