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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 | $315,370 | $101,063+212.1% | $81,473+287.1% | $147,586+113.7% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 9.65% | 32.41%-22.8pp | 38.78%-29.1pp | 578.59%-568.9pp |
| Employer contribution / active EE | $25,297 | $3,206+689.2% | $2,568+885.1% | $4,876+418.8% |
| Participant deferral / active EE | $16,733 | $4,242+294.4% | $3,537+373.1% | $5,439+207.7% |
| Admin fee / account holder | $3,377 | $5,812-41.9% | $4,561-26.0% | $10,886-69.0% |