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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 | $285,185 | $106,280+168.3% | $96,538+195.4% | $139,487+104.5% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 19.72% | 38.48%-18.8pp | 35.74%-16.0pp | 373.84%-354.1pp |
| Employer contribution / active EE | $7,862 | $4,107+91.4% | $3,740+110.2% | $4,755+65.4% |
| Participant deferral / active EE | $10,026 | $5,457+83.7% | $4,880+105.4% | $6,713+49.4% |
| Admin fee / account holder | $1,281 | $7,888-83.8% | $6,737-81.0% | $11,407-88.8% |