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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 | $291,979 | $110,337+164.6% | $102,383+185.2% | $145,877+100.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 16.54% | 24.83%-8.3pp | 24.94%-8.4pp | 551.28%-534.7pp |
| Employer contribution / active EE | $4,047 | $4,216-4.0% | $3,870+4.6% | $4,663-13.2% |
| Participant deferral / active EE | $15,029 | $5,621+167.4% | $5,060+197.0% | $6,691+124.6% |
| Admin fee / account holder | $553 | $9,750-94.3% | $8,391-93.4% | $13,402-95.9% |