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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 | $342,386 | $103,385+231.2% | $87,104+293.1% | $152,870+124.0% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.9%+23.1pp | 82.4%+17.6pp |
| Annual return | 21.09% | 28.10%-7.0pp | 28.19%-7.1pp | 345.34%-324.3pp |
| Employer contribution / active EE | $19,585 | $3,220+508.1% | $2,521+676.8% | $4,763+311.2% |
| Participant deferral / active EE | $12,281 | $4,778+157.0% | $4,049+203.3% | $5,850+109.9% |
| Admin fee / account holder | $3,068 | $12,192-74.8% | $7,490-59.0% | $11,597-73.5% |