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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 | $110,337+191.8% | $102,383+214.5% | $145,877+120.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.68% | 24.83%-11.2pp | 24.94%-11.3pp | 551.28%-537.6pp |
| Employer contribution / active EE | $17,388 | $4,216+312.4% | $3,870+349.3% | $4,663+272.9% |
| Participant deferral / active EE | $16,841 | $5,621+199.6% | $5,060+232.8% | $6,691+151.7% |
| Admin fee / account holder | $2,496 | $9,750-74.4% | $8,391-70.3% | $13,402-81.4% |