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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 | $299,964 | $97,020+209.2% | $83,327+260.0% | $135,380+121.6% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -8.14% | 12.31%-20.5pp | 10.64%-18.8pp | 519.81%-527.9pp |
| Employer contribution / active EE | $18,702 | $4,144+351.4% | $3,379+453.5% | $4,779+291.4% |
| Participant deferral / active EE | $13,796 | $5,964+131.3% | $5,565+147.9% | $5,609+146.0% |
| Admin fee / account holder | $6,976 | $8,426-17.2% | $7,540-7.5% | $10,828-35.6% |