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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 | $250,680 | $167,522+49.6% | $151,639+65.3% | $134,532+86.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | 0.00% | 7.81%-7.8pp | 3.34%-3.3pp | 418.27%-418.3pp |
| Employer contribution / active EE | $4,335 | $6,828-36.5% | $6,165-29.7% | $4,741-8.6% |
| Participant deferral / active EE | $18,279 | $8,986+103.4% | $8,363+118.6% | $6,401+185.6% |
| Admin fee / account holder | $970 | $13,780-93.0% | $11,613-91.6% | $11,429-91.5% |