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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 | $339,917 | $101,618+234.5% | $93,063+265.3% | $137,256+147.7% |
| Participation rate | 100.0% | 74.9%+25.1pp | 72.1%+27.9pp | 80.0%+20.0pp |
| Annual return | 14.06% | 223.95%-209.9pp | 34.15%-20.1pp | 220.34%-206.3pp |
| Employer contribution / active EE | $38,276 | $2,707+1313.9% | $2,476+1445.8% | $4,156+821.0% |
| Participant deferral / active EE | $7,587 | $4,279+77.3% | $3,958+91.7% | $6,407+18.4% |
| Admin fee / account holder | $18,636 | $6,198+200.7% | $6,033+208.9% | $12,270+51.9% |