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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 | $318,260 | $98,240+224.0% | $82,312+286.7% | $147,586+115.6% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 22.84% | 30.85%-8.0pp | 25.88%-3.0pp | 578.59%-555.8pp |
| Employer contribution / active EE | $14,636 | $3,192+358.6% | $2,428+502.7% | $4,876+200.1% |
| Participant deferral / active EE | $8,602 | $4,383+96.2% | $3,706+132.1% | $5,439+58.2% |
| Admin fee / account holder | $42,025 | $8,563+390.8% | $5,608+649.4% | $10,886+286.1% |