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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 | $251,868 | $100,279+151.2% | $81,353+209.6% | $145,884+72.7% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 15.53% | 34.49%-19.0pp | 24.82%-9.3pp | 551.85%-536.3pp |
| Employer contribution / active EE | $23,000 | $2,979+672.0% | $2,464+833.5% | $4,662+393.3% |
| Participant deferral / active EE | $23,000 | $4,611+398.8% | $3,885+492.1% | $6,690+243.8% |
| Admin fee / account holder | $1,018 | $8,206-87.6% | $5,766-82.3% | $13,392-92.4% |