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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 | $273,879 | $149,778+82.9% | $118,946+130.3% | $158,950+72.3% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 31.80% | 19.95%+11.8pp | 35.89%-4.1pp | 302.91%-271.1pp |
| Employer contribution / active EE | $16,194 | $4,117+293.4% | $3,263+396.2% | $4,762+240.1% |
| Participant deferral / active EE | $11,171 | $5,225+113.8% | $4,266+161.9% | $5,983+86.7% |
| Admin fee / account holder | $2,202 | $8,604-74.4% | $6,581-66.5% | $11,248-80.4% |