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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 | $262,226 | $98,776+165.5% | $149,745+75.1% | $79,856+228.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 13.74% | 27.38%-13.6pp | 276.72%-263.0pp | 31.71%-18.0pp |
| Employer contribution / active EE | $6,793 | $3,217+111.1% | $4,646+46.2% | $2,471+174.9% |
| Participant deferral / active EE | $10,780 | $5,681+89.7% | $6,843+57.5% | $3,741+188.2% |
| Admin fee / account holder | $2,071 | $6,053-65.8% | $9,312-77.8% | $5,306-61.0% |