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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 | $252,765 | $156,616+61.4% | $133,346+89.6% | $198,609+27.3% |
| Participation rate | 100.0% | 77.7%+22.3pp | 72.8%+27.2pp | 82.4%+17.6pp |
| Annual return | 16.84% | 44.25%-27.4pp | 36.85%-20.0pp | 202.70%-185.9pp |
| Employer contribution / active EE | $20,241 | $3,368+501.0% | $2,853+609.3% | $5,055+300.4% |
| Participant deferral / active EE | $17,443 | $4,920+254.6% | $4,332+302.6% | $6,977+150.0% |
| Admin fee / account holder | $1,531 | $17,468-91.2% | $14,264-89.3% | $19,030-92.0% |