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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 | $254,678 | $97,125+162.2% | $86,233+195.3% | $137,256+85.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 11.78% | 74.19%-62.4pp | 61.39%-49.6pp | 220.34%-208.6pp |
| Employer contribution / active EE | $10,837 | $2,841+281.4% | $2,504+332.7% | $4,156+160.7% |
| Participant deferral / active EE | $15,302 | $5,180+195.4% | $4,559+235.6% | $6,407+138.8% |
| Admin fee / account holder | $1,917 | $9,725-80.3% | $8,342-77.0% | $12,270-84.4% |