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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 | $418,834 | $201,372+108.0% | $184,260+127.3% | $145,884+187.1% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 11.40% | 29.04%-17.6pp | 28.84%-17.4pp | 551.85%-540.4pp |
| Employer contribution / active EE | $1,501 | $7,024-78.6% | $6,427-76.7% | $4,662-67.8% |
| Participant deferral / active EE | $5,157 | $9,808-47.4% | $9,133-43.5% | $6,690-22.9% |
| Admin fee / account holder | $21,682 | $16,362+32.5% | $13,898+56.0% | $13,392+61.9% |