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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 | $313,385 | $67,823+362.1% | $52,425+497.8% | $137,256+128.3% |
| Participation rate | 100.0% | 63.9%+36.1pp | 55.6%+44.4pp | 80.0%+20.0pp |
| Annual return | 12.48% | 219.11%-206.6pp | 302.12%-289.6pp | 220.34%-207.9pp |
| Employer contribution / active EE | $10,199 | $1,163+777.0% | $914+1015.6% | $4,156+145.4% |
| Participant deferral / active EE | $8,215 | $2,288+259.1% | $1,790+358.9% | $6,407+28.2% |
| Admin fee / account holder | $28,966 | $2,844+918.4% | $2,495+1061.0% | $12,270+136.1% |