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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 | $309,421 | $124,336+148.9% | $111,303+178.0% | $167,518+84.7% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 27.21% | 37.45%-10.2pp | 54.66%-27.4pp | 478.71%-451.5pp |
| Employer contribution / active EE | $5,980 | $3,436+74.0% | $2,731+118.9% | $4,838+23.6% |
| Participant deferral / active EE | $8,644 | $5,181+66.8% | $4,487+92.6% | $6,342+36.3% |
| Admin fee / account holder | $6,250 | $10,623-41.2% | $7,966-21.5% | $12,312-49.2% |