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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 | $305,375 | $95,193+220.8% | $76,523+299.1% | $135,382+125.6% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -8.75% | 4.85%-13.6pp | -0.27%-8.5pp | 519.77%-528.5pp |
| Employer contribution / active EE | $7,781 | $3,302+135.6% | $2,647+194.0% | $4,779+62.8% |
| Participant deferral / active EE | $13,250 | $4,639+185.6% | $3,835+245.5% | $5,609+136.2% |
| Admin fee / account holder | $8,642 | $6,249+38.3% | $4,848+78.2% | $10,829-20.2% |