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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 | $305,256 | $98,240+210.7% | $82,312+270.9% | $147,586+106.8% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 15.83% | 30.85%-15.0pp | 25.88%-10.0pp | 578.59%-562.8pp |
| Employer contribution / active EE | $19,178 | $3,192+500.9% | $2,428+689.8% | $4,876+293.3% |
| Participant deferral / active EE | $11,972 | $4,383+173.1% | $3,706+223.0% | $5,439+120.1% |
| Admin fee / account holder | $3,641 | $8,563-57.5% | $5,608-35.1% | $10,886-66.6% |