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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 | $395,495 | $110,278+258.6% | $95,740+313.1% | $139,466+183.6% |
| Participation rate | 92.3% | 75.7%+16.6pp | 72.3%+20.0pp | 80.3%+12.0pp |
| Annual return | 19.58% | 27.19%-7.6pp | 28.41%-8.8pp | 373.66%-354.1pp |
| Employer contribution / active EE | $4,554 | $3,260+39.7% | $2,836+60.6% | $4,754-4.2% |
| Participant deferral / active EE | $5,003 | $4,674+7.0% | $4,244+17.9% | $6,712-25.5% |
| Admin fee / account holder | $24,691 | $6,613+273.4% | $5,676+335.0% | $11,409+116.4% |