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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 | $386,342 | $174,018+122.0% | $136,833+182.3% | $198,609+94.5% |
| Participation rate | 100.0% | 65.1%+34.9pp | 59.0%+41.0pp | 82.4%+17.6pp |
| Annual return | 12.66% | 35.16%-22.5pp | 35.32%-22.7pp | 202.70%-190.0pp |
| Employer contribution / active EE | $17,689 | $1,571+1025.9% | $1,319+1241.5% | $5,055+249.9% |
| Participant deferral / active EE | $17,682 | $2,873+515.4% | $2,441+624.4% | $6,977+153.4% |
| Admin fee / account holder | $4,537 | $5,434-16.5% | $4,706-3.6% | $19,030-76.2% |