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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 | $310,262 | $165,939+87.0% | $122,354+153.6% | $147,586+110.2% |
| Participation rate | 100.0% | 79.6%+20.4pp | 71.6%+28.4pp | 82.8%+17.2pp |
| Annual return | 11.16% | 34.56%-23.4pp | 30.28%-19.1pp | 578.59%-567.4pp |
| Employer contribution / active EE | $22,120 | $5,754+284.4% | $4,051+446.0% | $4,876+353.6% |
| Participant deferral / active EE | $14,054 | $4,005+250.9% | $3,287+327.5% | $5,439+158.4% |
| Admin fee / account holder | $4,408 | $7,425-40.6% | $5,479-19.5% | $10,886-59.5% |