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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 | $351,625 | $92,219+281.3% | $76,767+358.0% | $135,380+159.7% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -7.24% | 5.46%-12.7pp | 2.43%-9.7pp | 519.81%-527.0pp |
| Employer contribution / active EE | $33,845 | $3,216+952.4% | $2,485+1261.8% | $4,779+608.2% |
| Participant deferral / active EE | $6,958 | $4,508+54.3% | $3,852+80.6% | $5,609+24.0% |
| Admin fee / account holder | $3,171 | $10,749-70.5% | $6,675-52.5% | $10,828-70.7% |