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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 | $282,187 | $124,346+126.9% | $111,306+153.5% | $167,553+68.4% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 12.06% | 37.46%-25.4pp | 54.67%-42.6pp | 478.89%-466.8pp |
| Employer contribution / active EE | $3,661 | $3,438+6.5% | $2,732+34.0% | $4,840-24.4% |
| Participant deferral / active EE | $6,479 | $5,182+25.0% | $4,488+44.4% | $6,343+2.2% |
| Admin fee / account holder | $21,623 | $10,623+103.5% | $7,966+171.4% | $12,316+75.6% |