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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 | $440,424 | $167,353+163.2% | $143,797+206.3% | $134,545+227.3% |
| Participation rate | 71.4% | 84.8%-13.4pp | 80.3%-8.9pp | 81.2%-9.8pp |
| Annual return | -17.53% | 0.48%-18.0pp | -0.04%-17.5pp | 418.37%-435.9pp |
| Employer contribution / active EE | $1,949 | $5,620-65.3% | $4,952-60.7% | $4,742-58.9% |
| Participant deferral / active EE | $6,483 | $6,447+0.6% | $5,638+15.0% | $6,401+1.3% |
| Admin fee / account holder | $3,219 | $18,096-82.2% | $14,679-78.1% | $11,431-71.8% |