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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 | $447,343 | $129,960+244.2% | $104,299+328.9% | $134,545+232.5% |
| Participation rate | 75.0% | 79.5%-4.5pp | 73.3%+1.7pp | 81.2%-6.2pp |
| Annual return | -20.22% | 42.06%-62.3pp | 24.62%-44.8pp | 418.37%-438.6pp |
| Employer contribution / active EE | $25,150 | $4,186+500.8% | $3,373+645.6% | $4,742+430.4% |
| Participant deferral / active EE | $12,208 | $5,589+118.4% | $4,626+163.9% | $6,401+90.7% |
| Admin fee / account holder | $5,240 | $9,324-43.8% | $7,339-28.6% | $11,431-54.2% |