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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 | $300,732 | $106,247+183.0% | $96,515+211.6% | $139,466+115.6% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 18.22% | 38.47%-20.2pp | 35.73%-17.5pp | 373.66%-355.4pp |
| Employer contribution / active EE | $19,506 | $4,106+375.1% | $3,740+421.6% | $4,754+310.3% |
| Participant deferral / active EE | $13,589 | $5,456+149.1% | $4,880+178.5% | $6,712+102.5% |
| Admin fee / account holder | $7,026 | $7,885-10.9% | $6,735+4.3% | $11,409-38.4% |