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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 | $368,663 | $110,410+233.9% | $102,437+259.9% | $145,897+152.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.43% | 24.85%-12.4pp | 24.95%-12.5pp | 552.29%-539.9pp |
| Employer contribution / active EE | $12,292 | $4,217+191.5% | $3,871+217.6% | $4,663+163.6% |
| Participant deferral / active EE | $16,800 | $5,622+198.8% | $5,060+232.0% | $6,689+151.1% |
| Admin fee / account holder | $2,114 | $9,745-78.3% | $8,388-74.8% | $13,390-84.2% |