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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 | $303,176 | $115,917+161.5% | $100,535+201.6% | $158,982+90.7% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 13.18% | 34.80%-21.6pp | 30.90%-17.7pp | 302.99%-289.8pp |
| Employer contribution / active EE | $2,208 | $4,105-46.2% | $3,419-35.4% | $4,763-53.6% |
| Participant deferral / active EE | $11,299 | $6,677+69.2% | $6,271+80.2% | $5,983+88.8% |
| Admin fee / account holder | $53,768 | $11,002+388.7% | $8,085+565.1% | $11,252+377.9% |