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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 | $377,857 | $135,956+177.9% | $123,894+205.0% | $273,972+37.9% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 4.99% | 56.63%-51.6pp | 47.52%-42.5pp | 41.46%-36.5pp |
| Employer contribution / active EE | $12,295 | $5,170+137.8% | $4,617+166.3% | $4,869+152.5% |
| Participant deferral / active EE | $13,491 | $6,343+112.7% | $5,984+125.4% | $5,287+155.2% |
| Admin fee / account holder | $1,043 | $9,817-89.4% | $8,357-87.5% | $10,133-89.7% |