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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 | $333,772 | $103,392+222.8% | $87,104+283.2% | $152,897+118.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 20.63% | 28.10%-7.5pp | 28.19%-7.6pp | 345.43%-324.8pp |
| Employer contribution / active EE | $2,380 | $3,221-26.1% | $2,521-5.6% | $4,764-50.0% |
| Participant deferral / active EE | $13,857 | $4,778+190.0% | $4,048+242.3% | $5,851+136.8% |
| Admin fee / account holder | $1,005 | $12,194-91.8% | $7,491-86.6% | $11,599-91.3% |