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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 | $307,700 | $162,812+89.0% | $133,971+129.7% | $158,966+93.6% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 15.85% | 41.94%-26.1pp | 45.09%-29.2pp | 302.95%-287.1pp |
| Employer contribution / active EE | $3,035 | $4,976-39.0% | $3,919-22.6% | $4,762-36.3% |
| Participant deferral / active EE | $9,348 | $5,910+58.2% | $5,047+85.2% | $5,983+56.2% |
| Admin fee / account holder | $3,343 | $11,741-71.5% | $8,929-62.6% | $11,250-70.3% |