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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 | $294,356 | $106,247+177.0% | $96,515+205.0% | $139,466+111.1% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 16.05% | 38.47%-22.4pp | 35.73%-19.7pp | 373.66%-357.6pp |
| Employer contribution / active EE | $12,276 | $4,106+199.0% | $3,740+228.3% | $4,754+158.2% |
| Participant deferral / active EE | $7,339 | $5,456+34.5% | $4,880+50.4% | $6,712+9.3% |
| Admin fee / account holder | $3,651 | $7,885-53.7% | $6,735-45.8% | $11,409-68.0% |