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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 | $728,917 | $167,362+335.5% | $143,799+406.9% | $134,532+441.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -11.31% | 0.47%-11.8pp | -0.04%-11.3pp | 418.27%-429.6pp |
| Employer contribution / active EE | $10,511 | $5,620+87.0% | $4,952+112.3% | $4,741+121.7% |
| Participant deferral / active EE | $18,409 | $6,447+185.5% | $5,638+226.5% | $6,401+187.6% |
| Admin fee / account holder | $3,955 | $18,094-78.1% | $14,677-73.1% | $11,429-65.4% |