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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 | $294,947 | $116,167+153.9% | $64,489+357.4% | $137,256+114.9% |
| Participation rate | 100.0% | 68.2%+31.8pp | 67.7%+32.3pp | 80.0%+20.0pp |
| Annual return | 16.47% | 36.55%-20.1pp | 55.03%-38.6pp | 220.34%-203.9pp |
| Employer contribution / active EE | $7,060 | $2,483+184.4% | $1,523+363.5% | $4,156+69.9% |
| Participant deferral / active EE | $20,128 | $4,215+377.5% | $2,778+624.5% | $6,407+214.2% |
| Admin fee / account holder | $377 | $6,188-93.9% | $4,260-91.2% | $12,270-96.9% |