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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 | $100,147+243.8% | $81,286+323.6% | $145,877+136.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 13.57% | 34.44%-20.9pp | 24.80%-11.2pp | 551.28%-537.7pp |
| Employer contribution / active EE | $19,192 | $2,977+544.7% | $2,463+679.3% | $4,663+311.6% |
| Participant deferral / active EE | $11,330 | $4,607+145.9% | $3,883+191.8% | $6,691+69.3% |
| Admin fee / account holder | $43,744 | $8,201+433.4% | $5,764+658.9% | $13,402+226.4% |