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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 | $325,425 | $162,821+99.9% | $133,978+142.9% | $158,982+104.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 19.93% | 41.95%-22.0pp | 45.10%-25.2pp | 302.99%-283.1pp |
| Employer contribution / active EE | $12,409 | $4,976+149.4% | $3,919+216.6% | $4,763+160.5% |
| Participant deferral / active EE | $12,085 | $5,910+104.5% | $5,047+139.4% | $5,983+102.0% |
| Admin fee / account holder | $6,550 | $11,742-44.2% | $8,930-26.7% | $11,252-41.8% |