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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 | $394,427 | $135,905+190.2% | $126,068+212.9% | $198,609+98.6% |
| Participation rate | 100.0% | 85.6%+14.4pp | 84.7%+15.3pp | 82.4%+17.6pp |
| Annual return | 13.72% | 14.07%-0.3pp | 15.01%-1.3pp | 202.70%-189.0pp |
| Employer contribution / active EE | $6,562 | $4,245+54.6% | $3,968+65.4% | $5,055+29.8% |
| Participant deferral / active EE | $19,460 | $8,523+128.3% | $8,214+136.9% | $6,977+178.9% |
| Admin fee / account holder | $35,806 | $21,036+70.2% | $18,264+96.0% | $19,030+88.2% |