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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 | $430,162 | $92,219+366.5% | $76,767+460.3% | $135,380+217.7% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -0.84% | 5.46%-6.3pp | 2.43%-3.3pp | 519.81%-520.6pp |
| Employer contribution / active EE | $8,729 | $3,216+171.5% | $2,485+251.3% | $4,779+82.7% |
| Participant deferral / active EE | $0 | $4,508-100.0% | $3,852-100.0% | $5,609-100.0% |
| Admin fee / account holder | $13,164 | $10,749+22.5% | $6,675+97.2% | $10,828+21.6% |