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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 | $307,674 | $109,372+181.3% | $89,414+244.1% | $158,966+93.5% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 15.98% | 345.55%-329.6pp | 245.50%-229.5pp | 302.95%-287.0pp |
| Employer contribution / active EE | $1,054 | $3,171-66.8% | $2,586-59.2% | $4,762-77.9% |
| Participant deferral / active EE | $19,500 | $4,598+324.1% | $3,890+401.3% | $5,983+225.9% |
| Admin fee / account holder | $8,502 | $6,156+38.1% | $4,883+74.1% | $11,250-24.4% |