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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 | $325,307 | $110,337+194.8% | $102,383+217.7% | $145,877+123.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 10.70% | 24.83%-14.1pp | 24.94%-14.2pp | 551.28%-540.6pp |
| Employer contribution / active EE | $43,631 | $4,216+934.9% | $3,870+1027.3% | $4,663+835.7% |
| Participant deferral / active EE | $22,700 | $5,621+303.9% | $5,060+348.6% | $6,691+239.3% |
| Admin fee / account holder | $4,335 | $9,750-55.5% | $8,391-48.3% | $13,402-67.7% |