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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 | $369,227 | $123,000+200.2% | $105,582+249.7% | $198,609+85.9% |
| Participation rate | 100.0% | 76.8%+23.2pp | 71.8%+28.2pp | 82.4%+17.6pp |
| Annual return | 9.25% | 18.31%-9.1pp | 18.61%-9.4pp | 202.70%-193.4pp |
| Employer contribution / active EE | $10,230 | $3,582+185.6% | $2,984+242.8% | $5,055+102.4% |
| Participant deferral / active EE | $22,425 | $5,013+347.4% | $4,353+415.1% | $6,977+221.4% |
| Admin fee / account holder | $14,777 | $16,254-9.1% | $12,856+14.9% | $19,030-22.4% |