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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 | $254,196 | $90,467+181.0% | $93,759+171.1% | $134,509+89.0% |
| Participation rate | 85.7% | 82.0%+3.7pp | 81.0%+4.7pp | 81.2%+4.5pp |
| Annual return | -7.16% | -15.72%+8.6pp | -11.33%+4.2pp | 418.13%-425.3pp |
| Employer contribution / active EE | $6,069 | $4,345+39.7% | $4,324+40.3% | $4,741+28.0% |
| Participant deferral / active EE | $9,451 | $5,980+58.0% | $6,096+55.0% | $6,400+47.7% |
| Admin fee / account holder | $37,654 | $9,258+306.7% | $7,197+423.2% | $11,427+229.5% |