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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 | $348,310 | $132,099+163.7% | $115,599+201.3% | $138,895+150.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.3%+25.7pp | 79.9%+20.1pp |
| Annual return | 12.95% | 176.76%-163.8pp | 111.10%-98.1pp | 145.39%-132.4pp |
| Employer contribution / active EE | $1,152 | $3,416-66.3% | $2,955-61.0% | $4,194-72.5% |
| Participant deferral / active EE | $15,862 | $5,617+182.4% | $4,889+224.4% | $6,396+148.0% |
| Admin fee / account holder | $16,822 | $15,650+7.5% | $12,841+31.0% | $12,562+33.9% |