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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 | $289,248 | $110,410+162.0% | $102,437+182.4% | $145,897+98.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.83% | 24.85%-12.0pp | 24.95%-12.1pp | 552.29%-539.5pp |
| Employer contribution / active EE | $8,316 | $4,217+97.2% | $3,871+114.9% | $4,663+78.4% |
| Participant deferral / active EE | $7,841 | $5,622+39.5% | $5,060+55.0% | $6,689+17.2% |
| Admin fee / account holder | $10,071 | $9,745+3.3% | $8,388+20.1% | $13,390-24.8% |