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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 | $151,427+94.8% | $112,860+161.3% | $154,746+90.6% |
| Participation rate | 100.0% | 69.1%+30.9pp | 66.3%+33.7pp | 80.7%+19.3pp |
| Annual return | 16.47% | 30.95%-14.5pp | 35.26%-18.8pp | 172.34%-155.9pp |
| Employer contribution / active EE | $7,060 | $2,750+156.8% | $2,206+220.0% | $4,379+61.2% |
| Participant deferral / active EE | $20,128 | $4,285+369.7% | $3,493+476.2% | $6,730+199.1% |
| Admin fee / account holder | $377 | $7,369-94.9% | $6,841-94.5% | $14,365-97.4% |