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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 | $326,156 | $91,037+258.3% | $71,671+355.1% | $147,586+121.0% |
| Participation rate | 100.0% | 76.1%+23.9pp | 68.7%+31.3pp | 82.8%+17.2pp |
| Annual return | 22.80% | 20.48%+2.3pp | 20.65%+2.2pp | 578.59%-555.8pp |
| Employer contribution / active EE | $16,800 | $3,327+404.9% | $2,460+583.0% | $4,876+244.5% |
| Participant deferral / active EE | $22,000 | $4,498+389.1% | $3,438+539.9% | $5,439+304.5% |
| Admin fee / account holder | $3,993 | $8,613-53.6% | $5,558-28.2% | $10,886-63.3% |