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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 | $316,445 | $111,814+183.0% | $103,374+206.1% | $145,959+116.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.95% | 24.77%-11.8pp | 24.89%-11.9pp | 561.95%-549.0pp |
| Employer contribution / active EE | $13,367 | $4,214+217.2% | $3,869+245.5% | $4,661+186.8% |
| Participant deferral / active EE | $11,513 | $5,618+104.9% | $5,058+127.6% | $6,689+72.1% |
| Admin fee / account holder | $507 | $9,754-94.8% | $8,394-94.0% | $13,398-96.2% |