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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 | $319,322 | $375,661-15.0% | $312,151+2.3% | $382,429-16.5% |
| Participation rate | 100.0% | 91.4%+8.6pp | 89.1%+10.9pp | 87.7%+12.3pp |
| Annual return | 10.53% | 0.11%+10.4pp | 1.82%+8.7pp | 248.85%-238.3pp |
| Employer contribution / active EE | $19,153 | $9,697+97.5% | $8,031+138.5% | $8,036+138.4% |
| Participant deferral / active EE | $9,266 | $5,737+61.5% | $5,370+72.6% | $5,727+61.8% |
| Admin fee / account holder | $10,416 | $64,308-83.8% | $51,799-79.9% | $30,732-66.1% |