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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 | $279,518 | $117,859+137.2% | $102,438+172.9% | $145,959+91.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 10.24% | 31.72%-21.5pp | 29.37%-19.1pp | 561.95%-551.7pp |
| Employer contribution / active EE | $46,500 | $3,615+1186.3% | $3,024+1437.9% | $4,661+897.7% |
| Participant deferral / active EE | $22,500 | $5,732+292.5% | $5,054+345.2% | $6,689+236.4% |
| Admin fee / account holder | $1,320 | $13,318-90.1% | $9,448-86.0% | $13,398-90.1% |