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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 | $427,956 | $115,225+271.4% | $100,712+324.9% | $138,895+208.1% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 16.15% | 40.35%-24.2pp | 33.27%-17.1pp | 145.39%-129.2pp |
| Employer contribution / active EE | $5,330 | $2,771+92.3% | $2,313+130.5% | $4,194+27.1% |
| Participant deferral / active EE | $17,041 | $4,699+262.6% | $4,085+317.1% | $6,396+166.4% |
| Admin fee / account holder | $1,571 | $10,844-85.5% | $9,256-83.0% | $12,562-87.5% |