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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 | $310,642 | $124,330+149.9% | $109,173+184.5% | $167,536+85.4% |
| Participation rate | 95.0% | 79.5%+15.5pp | 75.9%+19.1pp | 82.1%+12.9pp |
| Annual return | 0.00% | 26.04%-26.0pp | 25.75%-25.8pp | 478.82%-478.8pp |
| Employer contribution / active EE | $4,942 | $4,209+17.4% | $3,723+32.8% | $4,839+2.1% |
| Participant deferral / active EE | $9,909 | $5,256+88.5% | $4,654+112.9% | $6,342+56.2% |
| Admin fee / account holder | $22,876 | $7,974+186.9% | $6,755+238.7% | $12,315+85.8% |