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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 | $283,910 | $100,147+183.5% | $81,286+249.3% | $145,877+94.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 13.88% | 34.44%-20.6pp | 24.80%-10.9pp | 551.28%-537.4pp |
| Employer contribution / active EE | $9,380 | $2,977+215.1% | $2,463+280.9% | $4,663+101.2% |
| Participant deferral / active EE | $15,473 | $4,607+235.8% | $3,883+298.5% | $6,691+131.3% |
| Admin fee / account holder | $7,496 | $8,201-8.6% | $5,764+30.1% | $13,402-44.1% |