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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 | $563,867 | $167,522+236.6% | $151,639+271.8% | $134,532+319.1% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -15.19% | 7.81%-23.0pp | 3.34%-18.5pp | 418.27%-433.5pp |
| Employer contribution / active EE | $1,731 | $6,828-74.6% | $6,165-71.9% | $4,741-63.5% |
| Participant deferral / active EE | $27,000 | $8,986+200.5% | $8,363+222.8% | $6,401+321.8% |
| Admin fee / account holder | $713 | $13,780-94.8% | $11,613-93.9% | $11,429-93.8% |