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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 | $309,352 | $124,330+148.8% | $109,173+183.4% | $167,536+84.6% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 12.17% | 26.04%-13.9pp | 25.75%-13.6pp | 478.82%-466.6pp |
| Employer contribution / active EE | $14,150 | $4,209+236.2% | $3,723+280.1% | $4,839+192.4% |
| Participant deferral / active EE | $13,431 | $5,256+155.5% | $4,654+188.6% | $6,342+111.8% |
| Admin fee / account holder | $2,664 | $7,974-66.6% | $6,755-60.6% | $12,315-78.4% |