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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 | $367,175 | $124,314+195.4% | $109,163+236.4% | $167,518+119.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 24.55% | 26.04%-1.5pp | 25.75%-1.2pp | 478.71%-454.2pp |
| Employer contribution / active EE | $2,043 | $4,209-51.5% | $3,723-45.1% | $4,838-57.8% |
| Participant deferral / active EE | $13,956 | $5,256+165.5% | $4,654+199.9% | $6,342+120.1% |
| Admin fee / account holder | $34,039 | $7,973+327.0% | $6,754+404.0% | $12,312+176.5% |