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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 | $549,840 | $288,797+90.4% | $239,577+129.5% | $382,429+43.8% |
| Participation rate | 100.0% | 85.8%+14.2pp | 82.1%+17.9pp | 87.7%+12.3pp |
| Annual return | 12.27% | -3.30%+15.6pp | -0.70%+13.0pp | 248.85%-236.6pp |
| Employer contribution / active EE | $47,500 | $8,558+455.0% | $7,232+556.8% | $8,036+491.1% |
| Participant deferral / active EE | $35,750 | $6,420+456.8% | $5,676+529.8% | $5,727+524.2% |
| Admin fee / account holder | $3,458 | $18,649-81.5% | $19,315-82.1% | $30,732-88.7% |