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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 | $277,990 | $113,935+144.0% | $94,224+195.0% | $125,393+121.7% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -1.30% | 5.29%-6.6pp | 10.68%-12.0pp | 282.23%-283.5pp |
| Employer contribution / active EE | $8,023 | $4,727+69.7% | $3,587+123.7% | $4,866+64.9% |
| Participant deferral / active EE | $14,426 | $5,179+178.6% | $4,320+233.9% | $5,351+169.6% |
| Admin fee / account holder | $21,168 | $8,391+152.3% | $6,269+237.7% | $9,541+121.9% |