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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 | $469,477 | $135,956+245.3% | $123,894+278.9% | $273,972+71.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 10.78% | 56.63%-45.9pp | 47.52%-36.7pp | 41.46%-30.7pp |
| Employer contribution / active EE | $12,500 | $5,170+141.8% | $4,617+170.8% | $4,869+156.7% |
| Participant deferral / active EE | $8,905 | $6,343+40.4% | $5,984+48.8% | $5,287+68.4% |
| Admin fee / account holder | $675 | $9,817-93.1% | $8,357-91.9% | $10,133-93.3% |