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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 | $345,355 | $140,592+145.6% | $123,105+180.5% | $125,389+175.4% |
| Participation rate | 100.0% | 88.2%+11.8pp | 86.8%+13.2pp | 83.2%+16.8pp |
| Annual return | 5.06% | 16.80%-11.7pp | 13.22%-8.2pp | 282.24%-277.2pp |
| Employer contribution / active EE | $12,227 | $6,041+102.4% | $5,151+137.4% | $4,866+151.3% |
| Participant deferral / active EE | $20,465 | $6,980+193.2% | $6,229+228.5% | $5,352+282.4% |
| Admin fee / account holder | $2,856 | $11,198-74.5% | $9,014-68.3% | $9,541-70.1% |