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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 | $293,675 | $115,225+154.9% | $100,712+191.6% | $138,895+111.4% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 16.54% | 40.35%-23.8pp | 33.27%-16.7pp | 145.39%-128.9pp |
| Employer contribution / active EE | $17,500 | $2,771+531.5% | $2,313+656.7% | $4,194+317.2% |
| Participant deferral / active EE | $10,440 | $4,699+122.2% | $4,085+155.6% | $6,396+63.2% |
| Admin fee / account holder | $12,879 | $10,844+18.8% | $9,256+39.1% | $12,562+2.5% |