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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 | $307,761 | $176,794+74.1% | $146,647+109.9% | $167,553+83.7% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 15.44% | 24.04%-8.6pp | 22.75%-7.3pp | 478.89%-463.5pp |
| Employer contribution / active EE | $11,500 | $5,161+122.8% | $4,137+178.0% | $4,840+137.6% |
| Participant deferral / active EE | $6,789 | $6,440+5.4% | $5,506+23.3% | $6,343+7.0% |
| Admin fee / account holder | $2,698 | $13,262-79.7% | $10,281-73.8% | $12,316-78.1% |