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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 | $281,878 | $92,219+205.7% | $76,767+267.2% | $135,380+108.2% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -3.02% | 5.46%-8.5pp | 2.43%-5.4pp | 519.81%-522.8pp |
| Employer contribution / active EE | $14,047 | $3,216+336.8% | $2,485+465.2% | $4,779+193.9% |
| Participant deferral / active EE | $12,250 | $4,508+171.7% | $3,852+218.0% | $5,609+118.4% |
| Admin fee / account holder | $12,294 | $10,749+14.4% | $6,675+84.2% | $10,828+13.5% |