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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 | $315,798 | $101,063+212.5% | $81,473+287.6% | $147,586+114.0% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 13.21% | 32.41%-19.2pp | 38.78%-25.6pp | 578.59%-565.4pp |
| Employer contribution / active EE | $10,975 | $3,206+242.4% | $2,568+327.4% | $4,876+125.1% |
| Participant deferral / active EE | $9,766 | $4,242+130.2% | $3,537+176.1% | $5,439+79.6% |
| Admin fee / account holder | $903 | $5,812-84.5% | $4,561-80.2% | $10,886-91.7% |