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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 | $291,993 | $117,829+147.8% | $102,423+185.1% | $145,877+100.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.33% | 31.83%-19.5pp | 29.42%-17.1pp | 551.28%-539.0pp |
| Employer contribution / active EE | $12,283 | $3,615+239.8% | $3,023+306.3% | $4,663+163.4% |
| Participant deferral / active EE | $10,592 | $5,732+84.8% | $5,054+109.6% | $6,691+58.3% |
| Admin fee / account holder | $983 | $13,335-92.6% | $9,455-89.6% | $13,402-92.7% |