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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 | $252,634 | $105,866+138.6% | $90,766+178.3% | $134,545+87.8% |
| Participation rate | 100.0% | 78.3%+21.7pp | 75.7%+24.3pp | 81.2%+18.8pp |
| Annual return | -14.21% | -10.99%-3.2pp | -12.16%-2.1pp | 418.37%-432.6pp |
| Employer contribution / active EE | $0 | $3,464-100.0% | $2,922-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $8,662 | $5,217+66.0% | $4,565+89.8% | $6,401+35.3% |
| Admin fee / account holder | $1,080 | $13,938-92.3% | $8,446-87.2% | $11,431-90.6% |