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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 | $333,870 | $142,361+134.5% | $119,608+179.1% | $134,509+148.2% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | 1.74% | -12.46%+14.2pp | -14.98%+16.7pp | 418.13%-416.4pp |
| Employer contribution / active EE | $20,889 | $5,224+299.9% | $4,232+393.5% | $4,741+340.6% |
| Participant deferral / active EE | $13,775 | $6,468+113.0% | $5,601+145.9% | $6,400+115.2% |
| Admin fee / account holder | $12,474 | $13,588-8.2% | $10,326+20.8% | $11,427+9.2% |