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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 | $394,060 | $157,829+149.7% | $136,867+187.9% | $198,609+98.4% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 12.83% | 51.25%-38.4pp | 42.97%-30.1pp | 202.70%-189.9pp |
| Employer contribution / active EE | $15,000 | $3,923+282.4% | $3,547+322.9% | $5,055+196.7% |
| Participant deferral / active EE | $10,495 | $5,463+92.1% | $4,924+113.2% | $6,977+50.4% |
| Admin fee / account holder | $2,448 | $11,107-78.0% | $10,340-76.3% | $19,030-87.1% |