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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 | $726,378 | $211,946+242.7% | $169,452+328.7% | $135,380+436.5% |
| Participation rate | 83.3% | 82.6%+0.7pp | 77.8%+5.6pp | 82.6%+0.7pp |
| Annual return | -7.91% | 3.26%-11.2pp | 1.83%-9.7pp | 519.81%-527.7pp |
| Employer contribution / active EE | $24,859 | $5,117+385.8% | $4,157+498.0% | $4,779+420.2% |
| Participant deferral / active EE | $16,433 | $6,075+170.5% | $5,277+211.4% | $5,609+193.0% |
| Admin fee / account holder | $490 | $11,472-95.7% | $9,110-94.6% | $10,828-95.5% |