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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 | $277,986 | $118,488+134.6% | $98,462+182.3% | $139,487+99.3% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 9.72% | 18.96%-9.2pp | 21.17%-11.5pp | 373.84%-364.1pp |
| Employer contribution / active EE | $4,824 | $3,611+33.6% | $3,049+58.2% | $4,755+1.5% |
| Participant deferral / active EE | $23,289 | $5,393+331.8% | $4,738+391.5% | $6,713+246.9% |
| Admin fee / account holder | $28,212 | $13,868+103.4% | $8,875+217.9% | $11,407+147.3% |