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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 | $487,171 | $213,785+127.9% | $185,441+162.7% | $155,188+213.9% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 10.96% | 19.97%-9.0pp | 20.16%-9.2pp | 148.84%-137.9pp |
| Employer contribution / active EE | $4,255 | $5,393-21.1% | $4,672-8.9% | $4,248+0.2% |
| Participant deferral / active EE | $2,596 | $6,864-62.2% | $6,152-57.8% | $6,531-60.3% |
| Admin fee / account holder | $15,196 | $21,134-28.1% | $17,890-15.1% | $14,480+4.9% |