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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 | $276,406 | $110,337+150.5% | $102,383+170.0% | $145,877+89.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 14.57% | 24.83%-10.3pp | 24.94%-10.4pp | 551.28%-536.7pp |
| Employer contribution / active EE | $19,499 | $4,216+362.5% | $3,870+403.8% | $4,663+318.2% |
| Participant deferral / active EE | $2,097 | $5,621-62.7% | $5,060-58.6% | $6,691-68.7% |
| Admin fee / account holder | $3,649 | $9,750-62.6% | $8,391-56.5% | $13,402-72.8% |