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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 | $280,149 | $110,212+154.2% | $96,534+190.2% | $139,466+100.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 15.27% | 26.42%-11.1pp | 25.88%-10.6pp | 373.66%-358.4pp |
| Employer contribution / active EE | $9,335 | $3,620+157.9% | $2,965+214.8% | $4,754+96.4% |
| Participant deferral / active EE | $13,464 | $5,547+142.7% | $4,851+177.6% | $6,712+100.6% |
| Admin fee / account holder | $1,886 | $11,599-83.7% | $8,253-77.2% | $11,409-83.5% |