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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 | $69,118+459.0% | $53,647+620.2% | $138,895+178.2% |
| Participation rate | 100.0% | 64.0%+36.0pp | 56.3%+43.7pp | 79.9%+20.1pp |
| Annual return | 12.66% | 248.26%-235.6pp | 358.33%-345.7pp | 145.39%-132.7pp |
| Employer contribution / active EE | $17,689 | $1,189+1387.1% | $962+1738.7% | $4,194+321.7% |
| Participant deferral / active EE | $17,682 | $2,274+677.6% | $1,813+875.2% | $6,396+176.4% |
| Admin fee / account holder | $4,537 | $2,724+66.6% | $2,460+84.4% | $12,562-63.9% |