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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 | $371,531 | $167,415+121.9% | $140,514+164.4% | $198,609+87.1% |
| Participation rate | 100.0% | 80.9%+19.1pp | 77.8%+22.2pp | 82.4%+17.6pp |
| Annual return | 16.89% | 13.85%+3.0pp | 14.36%+2.5pp | 202.70%-185.8pp |
| Employer contribution / active EE | $24,734 | $4,088+505.1% | $3,378+632.1% | $5,055+389.3% |
| Participant deferral / active EE | $15,681 | $5,579+181.1% | $4,919+218.8% | $6,977+124.8% |
| Admin fee / account holder | $1,988 | $16,730-88.1% | $13,697-85.5% | $19,030-89.6% |