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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 | $360,266 | $60,813+492.4% | - | $134,532+167.8% |
| Participation rate | 100.0% | 67.1%+32.9pp | - | 81.2%+18.8pp |
| Annual return | -15.41% | -10.69%-4.7pp | - | 418.27%-433.7pp |
| Employer contribution / active EE | $1,407 | $2,735-48.6% | - | $4,741-70.3% |
| Participant deferral / active EE | $13,050 | $4,132+215.9% | - | $6,401+103.9% |
| Admin fee / account holder | $2,249 | $4,065-44.7% | - | $11,429-80.3% |