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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 | $478,830 | $139,948+242.1% | $121,663+293.6% | $154,746+209.4% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.5%+25.5pp | 80.7%+19.3pp |
| Annual return | 13.61% | 230.52%-216.9pp | 147.54%-133.9pp | 172.34%-158.7pp |
| Employer contribution / active EE | $2,190 | $3,521-37.8% | $3,020-27.5% | $4,379-50.0% |
| Participant deferral / active EE | $6,843 | $5,629+21.6% | $4,887+40.0% | $6,730+1.7% |
| Admin fee / account holder | $3,597 | $17,321-79.2% | $14,289-74.8% | $14,365-75.0% |