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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 | $363,512 | $97,020+274.7% | $83,327+336.2% | $135,380+168.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -1.28% | 12.31%-13.6pp | 10.64%-11.9pp | 519.81%-521.1pp |
| Employer contribution / active EE | $7,000 | $4,144+68.9% | $3,379+107.2% | $4,779+46.5% |
| Participant deferral / active EE | $12,831 | $5,964+115.1% | $5,565+130.6% | $5,609+128.8% |
| Admin fee / account holder | $6,794 | $8,426-19.4% | $7,540-9.9% | $10,828-37.3% |