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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 | $355,137 | $118,496+199.7% | $98,461+260.7% | $139,466+154.6% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 37.75% | 18.96%+18.8pp | 21.17%+16.6pp | 373.66%-335.9pp |
| Employer contribution / active EE | $1,899 | $3,611-47.4% | $3,049-37.7% | $4,754-60.0% |
| Participant deferral / active EE | $6,262 | $5,393+16.1% | $4,738+32.2% | $6,712-6.7% |
| Admin fee / account holder | $2,658 | $14,056-81.1% | $8,961-70.3% | $11,409-76.7% |