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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 | $365,831 | $106,864+242.3% | $147,318+148.3% | $82,637+342.7% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 15.21% | 27.49%-12.3pp | 70.43%-55.2pp | 53.51%-38.3pp |
| Employer contribution / active EE | $18,501 | $3,417+441.5% | $4,593+302.8% | $2,552+624.9% |
| Participant deferral / active EE | $8,530 | $6,496+31.3% | $7,906+7.9% | $4,126+106.7% |
| Admin fee / account holder | $27,771 | $8,415+230.0% | $13,708+102.6% | $7,339+278.4% |