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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 | $510,343 | $111,535+357.6% | $105,223+385.0% | $137,256+271.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.28% | 237.85%-220.6pp | 180.65%-163.4pp | 220.34%-203.1pp |
| Employer contribution / active EE | $8,733 | $3,939+121.7% | $3,689+136.8% | $4,156+110.1% |
| Participant deferral / active EE | $14,190 | $5,500+158.0% | $5,072+179.8% | $6,407+121.5% |
| Admin fee / account holder | $314 | $9,721-96.8% | $8,859-96.5% | $12,270-97.4% |