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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 | $356,133 | $116,203+206.5% | $93,621+280.4% | $152,897+132.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 22.62% | 35.96%-13.3pp | 32.76%-10.1pp | 345.43%-322.8pp |
| Employer contribution / active EE | $13,517 | $3,219+319.9% | $2,719+397.2% | $4,764+183.8% |
| Participant deferral / active EE | $10,061 | $4,605+118.5% | $4,070+147.2% | $5,851+72.0% |
| Admin fee / account holder | $2,540 | $10,751-76.4% | $7,890-67.8% | $11,599-78.1% |