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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 | $372,895 | $124,980+198.4% | $108,359+244.1% | $154,746+141.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 14.54% | 45.00%-30.5pp | 36.89%-22.4pp | 172.34%-157.8pp |
| Employer contribution / active EE | $10,900 | $2,851+282.4% | $2,399+354.3% | $4,379+148.9% |
| Participant deferral / active EE | $9,366 | $4,743+97.5% | $4,137+126.4% | $6,730+39.2% |
| Admin fee / account holder | $13,312 | $11,502+15.7% | $9,741+36.7% | $14,365-7.3% |