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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 | $117,846+147.8% | $102,434+185.1% | $145,884+100.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.33% | 31.90%-19.6pp | 29.46%-17.1pp | 551.85%-539.5pp |
| Employer contribution / active EE | $12,283 | $3,615+239.8% | $3,023+306.3% | $4,662+163.5% |
| Participant deferral / active EE | $10,592 | $5,733+84.7% | $5,055+109.5% | $6,690+58.3% |
| Admin fee / account holder | $983 | $13,356-92.6% | $9,462-89.6% | $13,392-92.7% |