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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 | $255,359 | $78,694+224.5% | $67,652+277.5% | $125,389+103.7% |
| Participation rate | 100.0% | 78.8%+21.2pp | 75.7%+24.3pp | 83.2%+16.8pp |
| Annual return | -1.38% | 9.46%-10.8pp | 6625.40%-6626.8pp | 282.24%-283.6pp |
| Employer contribution / active EE | $13,125 | $3,044+331.2% | $2,266+479.3% | $4,866+169.7% |
| Participant deferral / active EE | $1,538 | $4,292-64.2% | $3,560-56.8% | $5,352-71.3% |
| Admin fee / account holder | $3,571 | $7,403-51.8% | $4,821-25.9% | $9,541-62.6% |