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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 | $338,174 | $103,393+227.1% | $87,103+288.2% | $152,909+121.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 25.48% | 28.10%-2.6pp | 28.19%-2.7pp | 345.46%-320.0pp |
| Employer contribution / active EE | $10,966 | $3,221+240.5% | $2,521+334.9% | $4,764+130.2% |
| Participant deferral / active EE | $9,551 | $4,778+99.9% | $4,049+135.9% | $5,851+63.2% |
| Admin fee / account holder | $2,472 | $12,195-79.7% | $7,491-67.0% | $11,601-78.7% |