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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 | $321,966 | $111,814+187.9% | $103,374+211.5% | $145,959+120.6% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.68% | 24.77%-11.1pp | 24.89%-11.2pp | 561.95%-548.3pp |
| Employer contribution / active EE | $17,388 | $4,214+312.6% | $3,869+349.4% | $4,661+273.1% |
| Participant deferral / active EE | $16,841 | $5,618+199.8% | $5,058+233.0% | $6,689+151.8% |
| Admin fee / account holder | $2,496 | $9,754-74.4% | $8,394-70.3% | $13,398-81.4% |