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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 | $306,032 | $97,078+215.2% | $103,065+196.9% | $145,897+109.8% |
| Participation rate | 100.0% | 81.1%+18.9pp | 80.6%+19.4pp | 80.3%+19.7pp |
| Annual return | 10.64% | 25.49%-14.9pp | 23.95%-13.3pp | 552.29%-541.7pp |
| Employer contribution / active EE | $11,327 | $4,680+142.0% | $4,675+142.3% | $4,663+142.9% |
| Participant deferral / active EE | $14,405 | $6,601+118.2% | $6,625+117.4% | $6,689+115.3% |
| Admin fee / account holder | $18,698 | $12,505+49.5% | $9,349+100.0% | $13,390+39.6% |