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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 | $367,954 | $106,247+246.3% | $96,515+281.2% | $139,466+163.8% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 22.96% | 38.47%-15.5pp | 35.73%-12.8pp | 373.66%-350.7pp |
| Employer contribution / active EE | $15,670 | $4,106+281.6% | $3,740+319.0% | $4,754+229.6% |
| Participant deferral / active EE | $13,255 | $5,456+143.0% | $4,880+171.6% | $6,712+97.5% |
| Admin fee / account holder | $1,922 | $7,885-75.6% | $6,735-71.5% | $11,409-83.2% |