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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 | $318,500 | $211,288+50.7% | $178,540+78.4% | $145,884+118.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 10.30% | 30.27%-20.0pp | 27.15%-16.9pp | 551.85%-541.6pp |
| Employer contribution / active EE | $25,000 | $4,574+446.6% | $3,953+532.4% | $4,662+436.2% |
| Participant deferral / active EE | $23,500 | $6,967+237.3% | $6,281+274.2% | $6,690+251.3% |
| Admin fee / account holder | $44,344 | $12,105+266.3% | $10,424+325.4% | $13,392+231.1% |