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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 | $417,425 | $110,337+278.3% | $102,383+307.7% | $145,877+186.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 13.25% | 24.83%-11.6pp | 24.94%-11.7pp | 551.28%-538.0pp |
| Employer contribution / active EE | $19,613 | $4,216+365.2% | $3,870+406.7% | $4,663+320.6% |
| Participant deferral / active EE | $15,250 | $5,621+171.3% | $5,060+201.4% | $6,691+127.9% |
| Admin fee / account holder | $2,431 | $9,750-75.1% | $8,391-71.0% | $13,402-81.9% |