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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 | $307,680 | $228,395+34.7% | $185,861+65.5% | $158,982+93.5% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 17.36% | 40.82%-23.5pp | 35.96%-18.6pp | 302.99%-285.6pp |
| Employer contribution / active EE | $7,821 | $4,968+57.4% | $4,088+91.3% | $4,763+64.2% |
| Participant deferral / active EE | $14,105 | $6,417+119.8% | $5,634+150.4% | $5,983+135.7% |
| Admin fee / account holder | $6,103 | $11,869-48.6% | $9,503-35.8% | $11,252-45.8% |