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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 | $429,808 | $142,409+201.8% | $119,634+259.3% | $134,545+219.5% |
| Participation rate | 88.2% | 82.8%+5.4pp | 79.3%+9.0pp | 81.2%+7.0pp |
| Annual return | -14.40% | -12.46%-1.9pp | -14.98%+0.6pp | 418.37%-432.8pp |
| Employer contribution / active EE | $9,695 | $5,224+85.6% | $4,232+129.1% | $4,742+104.5% |
| Participant deferral / active EE | $6,865 | $6,468+6.1% | $5,601+22.6% | $6,401+7.2% |
| Admin fee / account holder | $10,666 | $13,594-21.5% | $10,329+3.3% | $11,431-6.7% |