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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 | $353,931 | $167,362+111.5% | $143,799+146.1% | $134,532+163.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -13.05% | 0.47%-13.5pp | -0.04%-13.0pp | 418.27%-431.3pp |
| Employer contribution / active EE | $10,861 | $5,620+93.2% | $4,952+119.3% | $4,741+129.1% |
| Participant deferral / active EE | $6,562 | $6,447+1.8% | $5,638+16.4% | $6,401+2.5% |
| Admin fee / account holder | $450 | $18,094-97.5% | $14,677-96.9% | $11,429-96.1% |