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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 | $530,936 | $199,109+166.7% | $173,730+205.6% | $154,746+243.1% |
| Participation rate | 83.3% | 82.8%+0.5pp | 79.6%+3.8pp | 80.7%+2.6pp |
| Annual return | 15.20% | 20.02%-4.8pp | 19.96%-4.8pp | 172.34%-157.1pp |
| Employer contribution / active EE | $24,465 | $5,311+360.6% | $4,577+434.5% | $4,379+458.7% |
| Participant deferral / active EE | $16,743 | $7,113+135.4% | $6,326+164.7% | $6,730+148.8% |
| Admin fee / account holder | $120,930 | $20,916+478.2% | $17,523+590.1% | $14,365+741.8% |