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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 | $250,008 | $105,960+135.9% | $81,726+205.9% | $158,982+57.3% |
| Participation rate | 100.0% | 75.6%+24.4pp | 72.0%+28.0pp | 82.0%+18.0pp |
| Annual return | 9.58% | 38.19%-28.6pp | 29.49%-19.9pp | 302.99%-293.4pp |
| Employer contribution / active EE | $13,288 | $7,805+70.3% | $4,311+208.2% | $4,763+179.0% |
| Participant deferral / active EE | $10,123 | $13,011-22.2% | $7,108+42.4% | $5,983+69.2% |
| Admin fee / account holder | $6,214 | $8,494-26.9% | $5,160+20.4% | $11,252-44.8% |