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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 | $544,565 | $167,362+225.4% | $143,799+278.7% | $134,532+304.8% |
| Participation rate | 83.3% | 84.8%-1.5pp | 80.3%+3.0pp | 81.2%+2.1pp |
| Annual return | -15.60% | 0.47%-16.1pp | -0.04%-15.6pp | 418.27%-433.9pp |
| Employer contribution / active EE | $16,056 | $5,620+185.7% | $4,952+224.2% | $4,741+238.7% |
| Participant deferral / active EE | $12,120 | $6,447+88.0% | $5,638+115.0% | $6,401+89.3% |
| Admin fee / account holder | $34,553 | $18,094+91.0% | $14,677+135.4% | $11,429+202.3% |