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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 | $333,013 | $167,415+98.9% | $140,514+137.0% | $198,609+67.7% |
| Participation rate | 100.0% | 80.9%+19.1pp | 77.8%+22.2pp | 82.4%+17.6pp |
| Annual return | 21.77% | 13.85%+7.9pp | 14.36%+7.4pp | 202.70%-180.9pp |
| Employer contribution / active EE | $4,123 | $4,088+0.9% | $3,378+22.0% | $5,055-18.4% |
| Participant deferral / active EE | $14,500 | $5,579+159.9% | $4,919+194.8% | $6,977+107.8% |
| Admin fee / account holder | $365 | $16,730-97.8% | $13,697-97.3% | $19,030-98.1% |