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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 | $285,558 | $157,829+80.9% | $136,867+108.6% | $198,609+43.8% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 16.73% | 51.25%-34.5pp | 42.97%-26.2pp | 202.70%-186.0pp |
| Employer contribution / active EE | $17,205 | $3,923+338.6% | $3,547+385.1% | $5,055+240.3% |
| Participant deferral / active EE | $13,766 | $5,463+152.0% | $4,924+179.6% | $6,977+97.3% |
| Admin fee / account holder | $2,780 | $11,107-75.0% | $10,340-73.1% | $19,030-85.4% |