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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 | $261,241 | $110,212+137.0% | $96,534+170.6% | $139,466+87.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 15.93% | 26.42%-10.5pp | 25.88%-9.9pp | 373.66%-357.7pp |
| Employer contribution / active EE | $6,269 | $3,620+73.2% | $2,965+111.4% | $4,754+31.9% |
| Participant deferral / active EE | $9,808 | $5,547+76.8% | $4,851+102.2% | $6,712+46.1% |
| Admin fee / account holder | $45,787 | $11,599+294.8% | $8,253+454.8% | $11,409+301.3% |