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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 | $256,610 | $162,812+57.6% | $133,971+91.5% | $158,966+61.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 19.44% | 41.94%-22.5pp | 45.09%-25.6pp | 302.95%-283.5pp |
| Employer contribution / active EE | $1,672 | $4,976-66.4% | $3,919-57.3% | $4,762-64.9% |
| Participant deferral / active EE | $13,000 | $5,910+120.0% | $5,047+157.6% | $5,983+117.3% |
| Admin fee / account holder | $822 | $11,741-93.0% | $8,929-90.8% | $11,250-92.7% |