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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 | $117,829+152.0% | $102,423+189.8% | $145,877+103.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 15.88% | 31.83%-16.0pp | 29.42%-13.5pp | 551.28%-535.4pp |
| Employer contribution / active EE | $6,862 | $3,615+89.8% | $3,023+127.0% | $4,663+47.2% |
| Participant deferral / active EE | $11,258 | $5,732+96.4% | $5,054+122.7% | $6,691+68.3% |
| Admin fee / account holder | $24,578 | $13,335+84.3% | $9,455+160.0% | $13,402+83.4% |