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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 | $310,985 | $72,177+330.9% | $115,038+170.3% | $59,633+421.5% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -1.20% | 12.02%-13.2pp | 26.14%-27.3pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $5,985 | $2,841+110.7% | $4,608+29.9% | $2,203+171.7% |
| Participant deferral / active EE | $4,853 | $4,783+1.5% | $6,026-19.5% | $3,192+52.0% |
| Admin fee / account holder | $27,588 | $4,927+459.9% | $8,175+237.5% | $4,297+542.0% |