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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 | $277,142 | $110,379+151.1% | $102,412+170.6% | $145,884+90.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.98% | 24.84%-10.9pp | 24.94%-11.0pp | 551.85%-537.9pp |
| Employer contribution / active EE | $5,472 | $4,216+29.8% | $3,870+41.4% | $4,662+17.4% |
| Participant deferral / active EE | $27,975 | $5,622+397.6% | $5,060+452.8% | $6,690+318.2% |
| Admin fee / account holder | $38,093 | $9,745+290.9% | $8,388+354.2% | $13,392+184.4% |