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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 | $403,789 | $92,219+337.9% | $76,767+426.0% | $135,380+198.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -6.23% | 5.46%-11.7pp | 2.43%-8.7pp | 519.81%-526.0pp |
| Employer contribution / active EE | $22,893 | $3,216+611.9% | $2,485+821.2% | $4,779+379.1% |
| Participant deferral / active EE | $23,000 | $4,508+410.2% | $3,852+497.1% | $5,609+310.1% |
| Admin fee / account holder | $2,959 | $10,749-72.5% | $6,675-55.7% | $10,828-72.7% |