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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 | $267,510 | $98,240+172.3% | $82,312+225.0% | $147,586+81.3% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 10.85% | 30.85%-20.0pp | 25.88%-15.0pp | 578.59%-567.7pp |
| Employer contribution / active EE | $7,408 | $3,192+132.1% | $2,428+205.1% | $4,876+51.9% |
| Participant deferral / active EE | $7,180 | $4,383+63.8% | $3,706+93.7% | $5,439+32.0% |
| Admin fee / account holder | $6,889 | $8,563-19.5% | $5,608+22.9% | $10,886-36.7% |