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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 | $319,273 | $112,729+183.2% | $98,716+223.4% | $137,256+132.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 21.71% | 38.48%-16.8pp | 31.81%-10.1pp | 220.34%-198.6pp |
| Employer contribution / active EE | $23,706 | $2,725+769.9% | $2,279+940.4% | $4,156+470.4% |
| Participant deferral / active EE | $11,141 | $4,640+140.1% | $4,048+175.2% | $6,407+73.9% |
| Admin fee / account holder | $18,204 | $10,129+79.7% | $8,703+109.2% | $12,270+48.4% |