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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 | $542,084 | $167,362+223.9% | $143,799+277.0% | $134,532+302.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.74% | 0.47%-18.2pp | -0.04%-17.7pp | 418.27%-436.0pp |
| Employer contribution / active EE | $54,429 | $5,620+868.4% | $4,952+999.1% | $4,741+1048.0% |
| Participant deferral / active EE | $3,714 | $6,447-42.4% | $5,638-34.1% | $6,401-42.0% |
| Admin fee / account holder | $6,614 | $18,094-63.4% | $14,677-54.9% | $11,429-42.1% |