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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 | $303,991 | $105,960+186.9% | $81,726+272.0% | $158,982+91.2% |
| Participation rate | 100.0% | 75.6%+24.4pp | 72.0%+28.0pp | 82.0%+18.0pp |
| Annual return | 19.23% | 38.19%-19.0pp | 29.49%-10.3pp | 302.99%-283.8pp |
| Employer contribution / active EE | $7,886 | $7,805+1.0% | $4,311+82.9% | $4,763+65.6% |
| Participant deferral / active EE | $5,795 | $13,011-55.5% | $7,108-18.5% | $5,983-3.2% |
| Admin fee / account holder | $6,363 | $8,494-25.1% | $5,160+23.3% | $11,252-43.4% |