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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 | $816,995 | $104,116+684.7% | $71,089+1049.3% | $135,380+503.5% |
| Participation rate | 100.0% | 65.7%+34.3pp | 54.6%+45.4pp | 82.6%+17.4pp |
| Annual return | -6.26% | 1256.51%-1262.8pp | 650.65%-656.9pp | 519.81%-526.1pp |
| Employer contribution / active EE | $0 | $1,485-100.0% | $1,088-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $23,585 | $2,524+834.5% | $1,873+1159.5% | $5,609+320.5% |
| Admin fee / account holder | $33,665 | $4,142+712.8% | $3,082+992.2% | $10,828+210.9% |