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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 | $279,848 | $110,379+153.5% | $102,412+173.3% | $145,884+91.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.40% | 24.84%-11.4pp | 24.94%-11.5pp | 551.85%-538.4pp |
| Employer contribution / active EE | $2,751 | $4,216-34.8% | $3,870-28.9% | $4,662-41.0% |
| Participant deferral / active EE | $15,467 | $5,622+175.1% | $5,060+205.7% | $6,690+131.2% |
| Admin fee / account holder | $1,318 | $9,745-86.5% | $8,388-84.3% | $13,392-90.2% |