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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 | $276,953 | $117,829+135.0% | $102,423+170.4% | $145,877+89.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.07% | 31.83%-19.8pp | 29.42%-17.4pp | 551.28%-539.2pp |
| Employer contribution / active EE | $12,082 | $3,615+234.3% | $3,023+299.7% | $4,663+159.1% |
| Participant deferral / active EE | $14,543 | $5,732+153.7% | $5,054+187.7% | $6,691+117.4% |
| Admin fee / account holder | $5,102 | $13,335-61.7% | $9,455-46.0% | $13,402-61.9% |