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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 | $273,053 | $124,425+119.5% | $112,040+143.7% | $137,256+98.9% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 18.03% | 24.72%-6.7pp | 24.52%-6.5pp | 220.34%-202.3pp |
| Employer contribution / active EE | $15,555 | $3,411+356.0% | $2,954+426.6% | $4,156+274.3% |
| Participant deferral / active EE | $10,390 | $5,718+81.7% | $5,098+103.8% | $6,407+62.2% |
| Admin fee / account holder | $26,328 | $15,207+73.1% | $12,098+117.6% | $12,270+114.6% |