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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 | $327,654 | $154,754+111.7% | $124,206+163.8% | $138,895+135.9% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.6%+30.4pp | 79.9%+20.1pp |
| Annual return | 18.98% | 709.28%-690.3pp | 515.27%-496.3pp | 145.39%-126.4pp |
| Employer contribution / active EE | $3,362 | $4,446-24.4% | $3,540-5.0% | $4,194-19.9% |
| Participant deferral / active EE | $42,500 | $4,621+819.7% | $3,968+971.2% | $6,396+564.5% |
| Admin fee / account holder | $2,548 | $6,690-61.9% | $5,929-57.0% | $12,562-79.7% |