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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 | $270,044 | $124,330+117.2% | $109,173+147.4% | $167,536+61.2% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 9.80% | 26.04%-16.2pp | 25.75%-16.0pp | 478.82%-469.0pp |
| Employer contribution / active EE | $11,748 | $4,209+179.1% | $3,723+215.6% | $4,839+142.8% |
| Participant deferral / active EE | $11,962 | $5,256+127.6% | $4,654+157.0% | $6,342+88.6% |
| Admin fee / account holder | $1,925 | $7,974-75.9% | $6,755-71.5% | $12,315-84.4% |