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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 | $423,076 | $110,337+283.4% | $102,383+313.2% | $145,877+190.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.31% | 24.83%-11.5pp | 24.94%-11.6pp | 551.28%-538.0pp |
| Employer contribution / active EE | $34,875 | $4,216+727.2% | $3,870+801.1% | $4,663+647.9% |
| Participant deferral / active EE | $22,500 | $5,621+300.3% | $5,060+344.7% | $6,691+236.3% |
| Admin fee / account holder | $1,982 | $9,750-79.7% | $8,391-76.4% | $13,402-85.2% |