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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 | $110,337+186.8% | $102,383+209.1% | $145,877+116.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.95% | 24.83%-11.9pp | 24.94%-12.0pp | 551.28%-538.3pp |
| Employer contribution / active EE | $13,367 | $4,216+217.1% | $3,870+245.4% | $4,663+186.7% |
| Participant deferral / active EE | $11,513 | $5,621+104.8% | $5,060+127.5% | $6,691+72.1% |
| Admin fee / account holder | $507 | $9,750-94.8% | $8,391-94.0% | $13,402-96.2% |