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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 | $326,970 | $148,629+120.0% | $135,982+140.5% | $139,487+134.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 12.78% | 79.33%-66.6pp | 68.32%-55.5pp | 373.84%-361.1pp |
| Employer contribution / active EE | $3,317 | $5,247-36.8% | $4,859-31.7% | $4,755-30.2% |
| Participant deferral / active EE | $7,397 | $8,102-8.7% | $7,760-4.7% | $6,713+10.2% |
| Admin fee / account holder | $71,429 | $12,406+475.7% | $10,767+563.4% | $11,407+526.2% |