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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 | $356,395 | $106,247+235.4% | $96,515+269.3% | $139,466+155.5% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 16.27% | 38.47%-22.2pp | 35.73%-19.5pp | 373.66%-357.4pp |
| Employer contribution / active EE | $27,048 | $4,106+558.8% | $3,740+623.3% | $4,754+469.0% |
| Participant deferral / active EE | $11,253 | $5,456+106.3% | $4,880+130.6% | $6,712+67.7% |
| Admin fee / account holder | $20,638 | $7,885+161.7% | $6,735+206.4% | $11,409+80.9% |