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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 | $365,595 | $100,970+262.1% | $96,576+278.6% | $137,256+166.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 21.35% | 38.16%-16.8pp | 38.47%-17.1pp | 220.34%-199.0pp |
| Employer contribution / active EE | $36,000 | $3,809+845.1% | $3,553+913.2% | $4,156+766.2% |
| Participant deferral / active EE | $0 | $8,286-100.0% | $7,956-100.0% | $6,407-100.0% |
| Admin fee / account holder | $1,366 | $11,312-87.9% | $11,381-88.0% | $12,270-88.9% |