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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 | $326,008 | $211,239+54.3% | $178,528+82.6% | $145,877+123.5% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 23.24% | 30.22%-7.0pp | 27.11%-3.9pp | 551.28%-528.0pp |
| Employer contribution / active EE | $29,746 | $4,570+550.9% | $3,950+653.0% | $4,663+537.9% |
| Participant deferral / active EE | $17,243 | $6,963+147.7% | $6,278+174.6% | $6,691+157.7% |
| Admin fee / account holder | $950 | $12,095-92.1% | $10,419-90.9% | $13,402-92.9% |