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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 | $400,810 | $116,203+244.9% | $93,621+328.1% | $152,897+162.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 27.48% | 35.96%-8.5pp | 32.76%-5.3pp | 345.43%-318.0pp |
| Employer contribution / active EE | $3,068 | $3,219-4.7% | $2,719+12.9% | $4,764-35.6% |
| Participant deferral / active EE | $11,474 | $4,605+149.2% | $4,070+181.9% | $5,851+96.1% |
| Admin fee / account holder | $399 | $10,751-96.3% | $7,890-94.9% | $11,599-96.6% |