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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 | $341,498 | $110,337+209.5% | $102,383+233.5% | $145,877+134.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 14.28% | 24.83%-10.6pp | 24.94%-10.7pp | 551.28%-537.0pp |
| Employer contribution / active EE | $4,098 | $4,216-2.8% | $3,870+5.9% | $4,663-12.1% |
| Participant deferral / active EE | $15,880 | $5,621+182.5% | $5,060+213.9% | $6,691+137.3% |
| Admin fee / account holder | $2,849 | $9,750-70.8% | $8,391-66.0% | $13,402-78.7% |