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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 | $423,167 | $147,556+186.8% | $129,031+228.0% | $198,609+113.1% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 10.82% | 37.41%-26.6pp | 34.67%-23.9pp | 202.70%-191.9pp |
| Employer contribution / active EE | $2,777 | $3,645-23.8% | $3,226-13.9% | $5,055-45.1% |
| Participant deferral / active EE | $18,651 | $5,760+223.8% | $5,217+257.5% | $6,977+167.3% |
| Admin fee / account holder | $4,544 | $15,467-70.6% | $13,208-65.6% | $19,030-76.1% |