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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 | $116,203+226.1% | $93,621+304.8% | $152,909+147.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 20.22% | 35.96%-15.7pp | 32.76%-12.5pp | 345.46%-325.2pp |
| Employer contribution / active EE | $13,448 | $3,219+317.7% | $2,719+394.6% | $4,764+182.3% |
| Participant deferral / active EE | $3,436 | $4,605-25.4% | $4,070-15.6% | $5,851-41.3% |
| Admin fee / account holder | $10,801 | $10,751+0.5% | $7,890+36.9% | $11,601-6.9% |