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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 | $294,967 | $110,410+167.2% | $102,437+187.9% | $145,897+102.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 15.14% | 24.85%-9.7pp | 24.95%-9.8pp | 552.29%-537.1pp |
| Employer contribution / active EE | $1,950 | $4,217-53.8% | $3,871-49.6% | $4,663-58.2% |
| Participant deferral / active EE | $20,526 | $5,622+265.1% | $5,060+305.6% | $6,689+206.8% |
| Admin fee / account holder | $30,523 | $9,745+213.2% | $8,388+263.9% | $13,390+127.9% |