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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 | $391,860 | $124,980+213.5% | $108,359+261.6% | $154,746+153.2% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 16.91% | 45.00%-28.1pp | 36.89%-20.0pp | 172.34%-155.4pp |
| Employer contribution / active EE | $0 | $2,851-100.0% | $2,399-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,025 | $4,743-57.3% | $4,137-51.1% | $6,730-69.9% |
| Admin fee / account holder | $3,223 | $11,502-72.0% | $9,741-66.9% | $14,365-77.6% |