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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 | $309,174 | $110,379+180.1% | $102,412+201.9% | $145,884+111.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 9.16% | 24.84%-15.7pp | 24.94%-15.8pp | 551.85%-542.7pp |
| Employer contribution / active EE | $11,849 | $4,216+181.0% | $3,870+206.2% | $4,662+154.1% |
| Participant deferral / active EE | $16,525 | $5,622+194.0% | $5,060+226.6% | $6,690+147.0% |
| Admin fee / account holder | $1,024 | $9,745-89.5% | $8,388-87.8% | $13,392-92.4% |