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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 | $283,449 | $117,904+140.4% | $102,457+176.7% | $145,978+94.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 11.98% | 31.80%-19.8pp | 29.41%-17.4pp | 550.52%-538.5pp |
| Employer contribution / active EE | $28,085 | $3,613+677.3% | $3,022+829.3% | $4,662+502.4% |
| Participant deferral / active EE | $17,347 | $5,733+202.6% | $5,054+243.2% | $6,690+159.3% |
| Admin fee / account holder | $8,935 | $13,329-33.0% | $9,451-5.5% | $13,400-33.3% |