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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 | $276,567 | $104,664+164.2% | $85,693+222.7% | $167,518+65.1% |
| Participation rate | 100.0% | 76.4%+23.6pp | 69.9%+30.1pp | 82.1%+17.9pp |
| Annual return | 14.46% | 21.45%-7.0pp | 21.49%-7.0pp | 478.71%-464.2pp |
| Employer contribution / active EE | $4,636 | $3,337+38.9% | $2,618+77.1% | $4,838-4.2% |
| Participant deferral / active EE | $16,388 | $4,824+239.7% | $3,923+317.8% | $6,342+158.4% |
| Admin fee / account holder | $1,156 | $10,032-88.5% | $6,874-83.2% | $12,312-90.6% |