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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 | $372,625 | $117,895+216.1% | $102,460+263.7% | $145,897+155.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 22.05% | 31.92%-9.9pp | 29.47%-7.4pp | 552.29%-530.2pp |
| Employer contribution / active EE | $10,789 | $3,619+198.1% | $3,025+256.6% | $4,663+131.4% |
| Participant deferral / active EE | $9,431 | $5,736+64.4% | $5,056+86.5% | $6,689+41.0% |
| Admin fee / account holder | $27,315 | $13,353+104.6% | $9,460+188.7% | $13,390+104.0% |