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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 | $347,304 | $97,020+258.0% | $83,327+316.8% | $135,380+156.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -1.96% | 12.31%-14.3pp | 10.64%-12.6pp | 519.81%-521.8pp |
| Employer contribution / active EE | $28,230 | $4,144+581.3% | $3,379+735.5% | $4,779+490.7% |
| Participant deferral / active EE | $12,333 | $5,964+106.8% | $5,565+121.6% | $5,609+119.9% |
| Admin fee / account holder | $4,995 | $8,426-40.7% | $7,540-33.8% | $10,828-53.9% |