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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 | $278,901 | $105,929+163.3% | $81,716+241.3% | $158,966+75.4% |
| Participation rate | 100.0% | 75.6%+24.4pp | 72.0%+28.0pp | 82.0%+18.0pp |
| Annual return | 19.51% | 38.19%-18.7pp | 29.49%-10.0pp | 302.95%-283.4pp |
| Employer contribution / active EE | $15,948 | $7,802+104.4% | $4,310+270.0% | $4,762+234.9% |
| Participant deferral / active EE | $12,693 | $13,007-2.4% | $7,108+78.6% | $5,983+112.2% |
| Admin fee / account holder | $2,201 | $8,492-74.1% | $5,159-57.3% | $11,250-80.4% |