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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 | $264,893 | $211,224+25.4% | $178,505+48.4% | $145,897+81.6% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.29% | 30.28%-18.0pp | 27.16%-14.9pp | 552.29%-540.0pp |
| Employer contribution / active EE | $33,249 | $4,577+626.5% | $3,955+740.7% | $4,663+613.1% |
| Participant deferral / active EE | $14,269 | $6,966+104.8% | $6,280+127.2% | $6,689+113.3% |
| Admin fee / account holder | $4,016 | $12,109-66.8% | $10,428-61.5% | $13,390-70.0% |