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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 | $293,739 | $131,829+122.8% | $108,579+170.5% | $273,968+7.2% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 16.51% | -91.57%+108.1pp | -51.70%+68.2pp | 41.45%-24.9pp |
| Employer contribution / active EE | $22,018 | $4,912+348.2% | $3,758+485.8% | $4,869+352.2% |
| Participant deferral / active EE | $18,750 | $5,127+265.7% | $4,311+335.0% | $5,287+254.6% |
| Admin fee / account holder | $7,192 | $10,252-29.8% | $7,645-5.9% | $10,132-29.0% |