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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 | $350,321 | $116,167+201.6% | $64,489+443.2% | $137,256+155.2% |
| Participation rate | 100.0% | 68.2%+31.8pp | 67.7%+32.3pp | 80.0%+20.0pp |
| Annual return | 17.76% | 36.55%-18.8pp | 55.03%-37.3pp | 220.34%-202.6pp |
| Employer contribution / active EE | $4,000 | $2,483+61.1% | $1,523+162.6% | $4,156-3.8% |
| Participant deferral / active EE | $18,500 | $4,215+338.9% | $2,778+565.9% | $6,407+188.7% |
| Admin fee / account holder | $764 | $6,188-87.7% | $4,260-82.1% | $12,270-93.8% |