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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 | $333,509 | $157,829+111.3% | $136,867+143.7% | $198,609+67.9% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 15.60% | 51.25%-35.6pp | 42.97%-27.4pp | 202.70%-187.1pp |
| Employer contribution / active EE | $18,160 | $3,923+363.0% | $3,547+412.0% | $5,055+259.2% |
| Participant deferral / active EE | $10,602 | $5,463+94.1% | $4,924+115.3% | $6,977+52.0% |
| Admin fee / account holder | $1,404 | $11,107-87.4% | $10,340-86.4% | $19,030-92.6% |