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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 | $316,422 | $182,442+73.4% | $163,379+93.7% | $138,895+127.8% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 12.84% | 72.74%-59.9pp | 63.41%-50.6pp | 145.39%-132.6pp |
| Employer contribution / active EE | $14,286 | $4,159+243.5% | $3,752+280.7% | $4,194+240.6% |
| Participant deferral / active EE | $23,703 | $6,817+247.7% | $6,282+277.3% | $6,396+270.6% |
| Admin fee / account holder | $8,400 | $10,396-19.2% | $9,818-14.4% | $12,562-33.1% |