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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 | $296,871 | $117,895+151.8% | $102,460+189.7% | $145,897+103.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 15.88% | 31.92%-16.0pp | 29.47%-13.6pp | 552.29%-536.4pp |
| Employer contribution / active EE | $6,862 | $3,619+89.6% | $3,025+126.8% | $4,663+47.2% |
| Participant deferral / active EE | $11,258 | $5,736+96.3% | $5,056+122.7% | $6,689+68.3% |
| Admin fee / account holder | $24,578 | $13,353+84.1% | $9,460+159.8% | $13,390+83.6% |