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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 | $339,298 | $123,155+175.5% | $108,753+212.0% | $155,188+118.6% |
| Participation rate | 100.0% | 75.6%+24.4pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 20.21% | 44.73%-24.5pp | 37.47%-17.3pp | 148.84%-128.6pp |
| Employer contribution / active EE | $1,462 | $2,811-48.0% | $2,427-39.8% | $4,248-65.6% |
| Participant deferral / active EE | $14,223 | $4,623+207.6% | $4,115+245.7% | $6,531+117.8% |
| Admin fee / account holder | $3,193 | $12,126-73.7% | $10,320-69.1% | $14,480-78.0% |