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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 | $356,663 | $124,351+186.8% | $109,188+226.6% | $167,553+112.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 17.41% | 26.04%-8.6pp | 25.76%-8.3pp | 478.89%-461.5pp |
| Employer contribution / active EE | $858 | $4,210-79.6% | $3,723-76.9% | $4,840-82.3% |
| Participant deferral / active EE | $10,384 | $5,257+97.5% | $4,654+123.1% | $6,343+63.7% |
| Admin fee / account holder | $385 | $7,975-95.2% | $6,755-94.3% | $12,316-96.9% |