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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 | $252,626 | $110,337+129.0% | $102,383+146.7% | $145,877+73.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.65% | 24.83%-12.2pp | 24.94%-12.3pp | 551.28%-538.6pp |
| Employer contribution / active EE | $36,086 | $4,216+755.9% | $3,870+832.4% | $4,663+673.9% |
| Participant deferral / active EE | $17,798 | $5,621+216.6% | $5,060+251.8% | $6,691+166.0% |
| Admin fee / account holder | $1,001 | $9,750-89.7% | $8,391-88.1% | $13,402-92.5% |