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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 | $307,248 | $117,859+160.7% | $102,438+199.9% | $145,959+110.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.38% | 31.72%-19.3pp | 29.37%-17.0pp | 561.95%-549.6pp |
| Employer contribution / active EE | $2,718 | $3,615-24.8% | $3,024-10.1% | $4,661-41.7% |
| Participant deferral / active EE | $9,018 | $5,732+57.3% | $5,054+78.5% | $6,689+34.8% |
| Admin fee / account holder | $22,594 | $13,318+69.7% | $9,448+139.2% | $13,398+68.6% |