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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 | $329,121 | $110,303+198.4% | $95,759+243.7% | $139,487+136.0% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 18.33% | 27.19%-8.9pp | 28.42%-10.1pp | 373.84%-355.5pp |
| Employer contribution / active EE | $12,000 | $3,261+268.0% | $2,836+323.1% | $4,755+152.4% |
| Participant deferral / active EE | $18,000 | $4,674+285.1% | $4,244+324.2% | $6,713+168.2% |
| Admin fee / account holder | $4,303 | $6,615-35.0% | $5,678-24.2% | $11,407-62.3% |