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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 | $347,996 | $110,278+215.6% | $95,740+263.5% | $139,466+149.5% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 16.92% | 27.19%-10.3pp | 28.41%-11.5pp | 373.66%-356.7pp |
| Employer contribution / active EE | $4,266 | $3,260+30.8% | $2,836+50.4% | $4,754-10.3% |
| Participant deferral / active EE | $19,953 | $4,674+326.9% | $4,244+370.2% | $6,712+197.3% |
| Admin fee / account holder | $622 | $6,613-90.6% | $5,676-89.0% | $11,409-94.6% |