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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 | $344,346 | $100,262+243.4% | $81,370+323.2% | $145,897+136.0% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 13.57% | 34.52%-20.9pp | 24.85%-11.3pp | 552.29%-538.7pp |
| Employer contribution / active EE | $19,192 | $2,979+544.3% | $2,464+678.9% | $4,663+311.6% |
| Participant deferral / active EE | $11,330 | $4,612+145.6% | $3,885+191.6% | $6,689+69.4% |
| Admin fee / account holder | $43,744 | $8,163+435.9% | $5,749+660.9% | $13,390+226.7% |