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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 | $255,608 | $110,410+131.5% | $102,437+149.5% | $145,897+75.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 11.74% | 24.85%-13.1pp | 24.95%-13.2pp | 552.29%-540.5pp |
| Employer contribution / active EE | $23,780 | $4,217+463.9% | $3,871+514.4% | $4,663+410.0% |
| Participant deferral / active EE | $15,581 | $5,622+177.2% | $5,060+207.9% | $6,689+132.9% |
| Admin fee / account holder | $2,349 | $9,745-75.9% | $8,388-72.0% | $13,390-82.5% |