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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 | $379,771 | $110,410+244.0% | $102,437+270.7% | $145,897+160.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.01% | 24.85%-12.8pp | 24.95%-12.9pp | 552.29%-540.3pp |
| Employer contribution / active EE | $11,820 | $4,217+180.3% | $3,871+205.4% | $4,663+153.5% |
| Participant deferral / active EE | $7,250 | $5,622+29.0% | $5,060+43.3% | $6,689+8.4% |
| Admin fee / account holder | $14,090 | $9,745+44.6% | $8,388+68.0% | $13,390+5.2% |