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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 | $378,950 | $116,175+226.2% | $93,609+304.8% | $152,870+147.9% |
| Participation rate | 100.0% | 78.0%+22.0pp | 75.8%+24.2pp | 82.4%+17.6pp |
| Annual return | 20.22% | 35.96%-15.7pp | 32.76%-12.5pp | 345.34%-325.1pp |
| Employer contribution / active EE | $13,448 | $3,218+317.9% | $2,718+394.7% | $4,763+182.3% |
| Participant deferral / active EE | $3,436 | $4,603-25.4% | $4,069-15.6% | $5,850-41.3% |
| Admin fee / account holder | $10,801 | $10,748+0.5% | $7,889+36.9% | $11,597-6.9% |