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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 | $333,785 | $106,247+214.2% | $96,515+245.8% | $139,466+139.3% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 13.29% | 38.47%-25.2pp | 35.73%-22.4pp | 373.66%-360.4pp |
| Employer contribution / active EE | $15,050 | $4,106+266.5% | $3,740+302.4% | $4,754+216.6% |
| Participant deferral / active EE | $8,419 | $5,456+54.3% | $4,880+72.5% | $6,712+25.4% |
| Admin fee / account holder | $6,578 | $7,885-16.6% | $6,735-2.3% | $11,409-42.3% |