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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 | $294,343 | $113,941+158.3% | $94,229+212.4% | $125,389+134.7% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | 0.61% | 5.29%-4.7pp | 10.68%-10.1pp | 282.24%-281.6pp |
| Employer contribution / active EE | $23,001 | $4,727+386.6% | $3,587+541.3% | $4,866+372.7% |
| Participant deferral / active EE | $2,901 | $5,179-44.0% | $4,320-32.9% | $5,352-45.8% |
| Admin fee / account holder | $9,737 | $8,392+16.0% | $6,269+55.3% | $9,541+2.1% |