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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 | $475,012 | $167,353+183.8% | $143,797+230.3% | $134,545+253.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -18.30% | 0.48%-18.8pp | -0.04%-18.3pp | 418.37%-436.7pp |
| Employer contribution / active EE | $12,525 | $5,620+122.9% | $4,952+152.9% | $4,742+164.2% |
| Participant deferral / active EE | $18,173 | $6,447+181.9% | $5,638+222.3% | $6,401+183.9% |
| Admin fee / account holder | $5,055 | $18,096-72.1% | $14,679-65.6% | $11,431-55.8% |