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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 | $375,214 | $93,346+302.0% | $71,796+422.6% | $273,972+37.0% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.1%+30.9pp | 83.0%+17.0pp |
| Annual return | 5.00% | 130.39%-125.4pp | 78.04%-73.0pp | 41.46%-36.5pp |
| Employer contribution / active EE | $2,121 | $2,733-22.4% | $1,924+10.2% | $4,869-56.4% |
| Participant deferral / active EE | $8,560 | $3,475+146.3% | $2,794+206.3% | $5,287+61.9% |
| Admin fee / account holder | $14,045 | $6,571+113.8% | $4,815+191.7% | $10,133+38.6% |