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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 | $288,343 | $117,433+145.5% | $99,475+189.9% | $152,897+88.6% |
| Participation rate | 100.0% | 77.5%+22.5pp | 73.8%+26.2pp | 82.5%+17.5pp |
| Annual return | 19.07% | 31.87%-12.8pp | 30.72%-11.6pp | 345.43%-326.4pp |
| Employer contribution / active EE | $15,645 | $3,013+419.2% | $2,540+515.9% | $4,764+228.4% |
| Participant deferral / active EE | $9,800 | $4,086+139.9% | $3,619+170.8% | $5,851+67.5% |
| Admin fee / account holder | $2,333 | $7,634-69.4% | $6,252-62.7% | $11,599-79.9% |