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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 | $270,828 | $96,965+179.3% | $97,995+176.4% | $147,585+83.5% |
| Participation rate | 100.0% | 83.6%+16.4pp | 82.4%+17.6pp | 82.8%+17.2pp |
| Annual return | 16.63% | 24.11%-7.5pp | 23.94%-7.3pp | 578.57%-561.9pp |
| Employer contribution / active EE | $14,865 | $4,536+227.7% | $4,158+257.5% | $4,876+204.8% |
| Participant deferral / active EE | $10,300 | $5,081+102.7% | $5,097+102.1% | $5,439+89.4% |
| Admin fee / account holder | $9,320 | $8,120+14.8% | $5,943+56.8% | $10,885-14.4% |