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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 | $342,709 | $100,262+241.8% | $81,370+321.2% | $145,897+134.9% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 18.93% | 34.52%-15.6pp | 24.85%-5.9pp | 552.29%-533.4pp |
| Employer contribution / active EE | $1,830 | $2,979-38.6% | $2,464-25.7% | $4,663-60.8% |
| Participant deferral / active EE | $9,563 | $4,612+107.3% | $3,885+146.1% | $6,689+43.0% |
| Admin fee / account holder | $3,543 | $8,163-56.6% | $5,749-38.4% | $13,390-73.5% |