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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 | $334,488 | $106,280+214.7% | $96,538+246.5% | $139,487+139.8% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 12.75% | 38.48%-25.7pp | 35.74%-23.0pp | 373.84%-361.1pp |
| Employer contribution / active EE | $6,028 | $4,107+46.8% | $3,740+61.2% | $4,755+26.8% |
| Participant deferral / active EE | $9,321 | $5,457+70.8% | $4,880+91.0% | $6,713+38.9% |
| Admin fee / account holder | $4,454 | $7,888-43.5% | $6,737-33.9% | $11,407-61.0% |