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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 | $319,748 | $114,119+180.2% | $107,187+198.3% | $138,895+130.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 17.93% | 273.21%-255.3pp | 204.55%-186.6pp | 145.39%-127.5pp |
| Employer contribution / active EE | $28,599 | $4,059+604.6% | $3,782+656.1% | $4,194+581.9% |
| Participant deferral / active EE | $12,694 | $5,538+129.2% | $5,096+149.1% | $6,396+98.5% |
| Admin fee / account holder | $6,917 | $10,024-31.0% | $9,162-24.5% | $12,562-44.9% |