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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 | $317,402 | $100,970+214.4% | $96,576+228.7% | $137,256+131.2% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 16.79% | 38.16%-21.4pp | 38.47%-21.7pp | 220.34%-203.5pp |
| Employer contribution / active EE | $21,766 | $3,809+471.4% | $3,553+512.6% | $4,156+423.7% |
| Participant deferral / active EE | $22,875 | $8,286+176.1% | $7,956+187.5% | $6,407+257.0% |
| Admin fee / account holder | $2,289 | $11,312-79.8% | $11,381-79.9% | $12,270-81.3% |