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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 | $266,881 | $110,379+141.8% | $102,412+160.6% | $145,884+82.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.81% | 24.84%-12.0pp | 24.94%-12.1pp | 551.85%-539.0pp |
| Employer contribution / active EE | $12,845 | $4,216+204.7% | $3,870+231.9% | $4,662+175.5% |
| Participant deferral / active EE | $6,589 | $5,622+17.2% | $5,060+30.2% | $6,690-1.5% |
| Admin fee / account holder | $19,732 | $9,745+102.5% | $8,388+135.3% | $13,392+47.3% |