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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 | $252,305 | $92,219+173.6% | $76,767+228.7% | $135,380+86.4% |
| Participation rate | 91.7% | 79.8%+11.9pp | 77.0%+14.7pp | 82.6%+9.0pp |
| Annual return | -5.67% | 5.46%-11.1pp | 2.43%-8.1pp | 519.81%-525.5pp |
| Employer contribution / active EE | $4,128 | $3,216+28.4% | $2,485+66.1% | $4,779-13.6% |
| Participant deferral / active EE | $7,434 | $4,508+64.9% | $3,852+93.0% | $5,609+32.5% |
| Admin fee / account holder | $9,623 | $10,749-10.5% | $6,675+44.2% | $10,828-11.1% |