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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 | $259,898 | $127,096+104.5% | $105,736+145.8% | $135,380+92.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 76.3%+23.7pp | 82.6%+17.4pp |
| Annual return | -7.77% | 4.49%-12.3pp | 6.27%-14.0pp | 519.81%-527.6pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,268-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $8,375 | $5,064+65.4% | $4,080+105.3% | $5,609+49.3% |
| Admin fee / account holder | $6,018 | $9,087-33.8% | $6,913-13.0% | $10,828-44.4% |