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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 | $276,826 | $111,535+148.2% | $105,223+163.1% | $137,256+101.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 13.22% | 237.85%-224.6pp | 180.65%-167.4pp | 220.34%-207.1pp |
| Employer contribution / active EE | $5,552 | $3,939+40.9% | $3,689+50.5% | $4,156+33.6% |
| Participant deferral / active EE | $31,347 | $5,500+470.0% | $5,072+518.1% | $6,407+389.3% |
| Admin fee / account holder | $7,746 | $9,721-20.3% | $8,859-12.6% | $12,270-36.9% |