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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 | $348,067 | $110,410+215.3% | $102,437+239.8% | $145,897+138.6% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.41% | 24.85%-11.4pp | 24.95%-11.5pp | 552.29%-538.9pp |
| Employer contribution / active EE | $40,503 | $4,217+860.4% | $3,871+946.4% | $4,663+768.7% |
| Participant deferral / active EE | $10,200 | $5,622+81.4% | $5,060+101.6% | $6,689+52.5% |
| Admin fee / account holder | $1,206 | $9,745-87.6% | $8,388-85.6% | $13,390-91.0% |