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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 | $294,320 | $78,694+274.0% | $67,652+335.1% | $125,389+134.7% |
| Participation rate | 100.0% | 78.8%+21.2pp | 75.7%+24.3pp | 83.2%+16.8pp |
| Annual return | -2.00% | 9.46%-11.5pp | 6625.40%-6627.4pp | 282.24%-284.2pp |
| Employer contribution / active EE | $19,514 | $3,044+541.1% | $2,266+761.3% | $4,866+301.0% |
| Participant deferral / active EE | $9,553 | $4,292+122.6% | $3,560+168.4% | $5,352+78.5% |
| Admin fee / account holder | $2,629 | $7,403-64.5% | $4,821-45.5% | $9,541-72.4% |