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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 | $330,947 | $155,555+112.8% | $146,866+125.3% | $155,188+113.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 13.47% | 115.41%-101.9pp | 102.85%-89.4pp | 148.84%-135.4pp |
| Employer contribution / active EE | $1,586 | $4,647-65.9% | $4,425-64.2% | $4,248-62.7% |
| Participant deferral / active EE | $16,500 | $8,044+105.1% | $7,759+112.6% | $6,531+152.6% |
| Admin fee / account holder | $1,790 | $14,755-87.9% | $13,620-86.9% | $14,480-87.6% |