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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 | $454,177 | $228,395+98.9% | $185,861+144.4% | $158,982+185.7% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 5.28% | 40.82%-35.5pp | 35.96%-30.7pp | 302.99%-297.7pp |
| Employer contribution / active EE | $21,357 | $4,968+329.9% | $4,088+422.4% | $4,763+348.4% |
| Participant deferral / active EE | $13,000 | $6,417+102.6% | $5,634+130.7% | $5,983+117.3% |
| Admin fee / account holder | $2,393 | $11,869-79.8% | $9,503-74.8% | $11,252-78.7% |