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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 | $363,088 | $86,701+318.8% | $73,309+395.3% | $125,389+189.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 74.9%+25.1pp | 83.2%+16.8pp |
| Annual return | -2.07% | 2.78%-4.8pp | 5.67%-7.7pp | 282.24%-284.3pp |
| Employer contribution / active EE | $13,664 | $4,152+229.1% | $3,237+322.1% | $4,866+180.8% |
| Participant deferral / active EE | $22,500 | $5,549+305.5% | $4,991+350.8% | $5,352+320.4% |
| Admin fee / account holder | $2,650 | $7,768-65.9% | $5,635-53.0% | $9,541-72.2% |