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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 | $430,597 | $154,159+179.3% | $130,026+231.2% | $139,456+208.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 10.82% | 32.50%-21.7pp | -137.26%+148.1pp | 373.45%-362.6pp |
| Employer contribution / active EE | $12,996 | $5,292+145.6% | $4,321+200.8% | $4,753+173.5% |
| Participant deferral / active EE | $11,393 | $6,710+69.8% | $5,821+95.7% | $6,711+69.8% |
| Admin fee / account holder | $2,993 | $14,001-78.6% | $10,608-71.8% | $11,407-73.8% |