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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 | $285,577 | $117,829+142.4% | $102,423+178.8% | $145,877+95.8% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 13.78% | 31.83%-18.1pp | 29.42%-15.6pp | 551.28%-537.5pp |
| Employer contribution / active EE | $18,975 | $3,615+425.0% | $3,023+527.7% | $4,663+306.9% |
| Participant deferral / active EE | $11,014 | $5,732+92.1% | $5,054+117.9% | $6,691+64.6% |
| Admin fee / account holder | $5,134 | $13,335-61.5% | $9,455-45.7% | $13,402-61.7% |