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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 | $287,449 | $110,337+160.5% | $102,383+180.8% | $145,877+97.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 11.06% | 24.83%-13.8pp | 24.94%-13.9pp | 551.28%-540.2pp |
| Employer contribution / active EE | $6,833 | $4,216+62.1% | $3,870+76.5% | $4,663+46.5% |
| Participant deferral / active EE | $15,882 | $5,621+182.6% | $5,060+213.9% | $6,691+137.4% |
| Admin fee / account holder | $4,215 | $9,750-56.8% | $8,391-49.8% | $13,402-68.6% |