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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 | $254,768 | $82,314+209.5% | $68,808+270.3% | $134,532+89.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 69.0%+31.0pp | 81.2%+18.8pp |
| Annual return | -16.30% | -2.18%-14.1pp | -6.37%-9.9pp | 418.27%-434.6pp |
| Employer contribution / active EE | $5,980 | $3,301+81.2% | $2,656+125.2% | $4,741+26.1% |
| Participant deferral / active EE | $1,848 | $4,740-61.0% | $3,942-53.1% | $6,401-71.1% |
| Admin fee / account holder | $14,674 | $6,484+126.3% | $4,936+197.3% | $11,429+28.4% |