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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 | $270,002 | $76,368+253.6% | $67,681+298.9% | $154,746+74.5% |
| Participation rate | 100.0% | 79.0%+21.0pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 17.13% | 1066.77%-1049.6pp | 590.58%-573.5pp | 172.34%-155.2pp |
| Employer contribution / active EE | $2,284 | $3,151-27.5% | $2,678-14.7% | $4,379-47.8% |
| Participant deferral / active EE | $15,483 | $4,824+221.0% | $3,976+289.5% | $6,730+130.1% |
| Admin fee / account holder | $2,548 | $8,559-70.2% | $6,100-58.2% | $14,365-82.3% |