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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 | $471,371 | $199,109+136.7% | $173,730+171.3% | $154,746+204.6% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 14.12% | 20.02%-5.9pp | 19.96%-5.8pp | 172.34%-158.2pp |
| Employer contribution / active EE | $7,429 | $5,311+39.9% | $4,577+62.3% | $4,379+69.6% |
| Participant deferral / active EE | $18,017 | $7,113+153.3% | $6,326+184.8% | $6,730+167.7% |
| Admin fee / account holder | $4,420 | $20,916-78.9% | $17,523-74.8% | $14,365-69.2% |