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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 | $263,640 | $85,790+207.3% | $67,313+291.7% | $135,380+94.7% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -5.84% | -0.54%-5.3pp | -4.08%-1.8pp | 519.81%-525.6pp |
| Employer contribution / active EE | $16,855 | $3,487+383.3% | $2,566+556.9% | $4,779+252.7% |
| Participant deferral / active EE | $21,779 | $4,651+368.3% | $3,568+510.4% | $5,609+288.3% |
| Admin fee / account holder | $22,242 | $6,392+247.9% | $4,507+393.5% | $10,828+105.4% |