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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 | $102,609+284.4% | $98,090+302.1% | $138,895+184.0% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 13.72% | 36.44%-22.7pp | 37.05%-23.3pp | 145.39%-131.7pp |
| Employer contribution / active EE | $6,562 | $3,867+69.7% | $3,606+81.9% | $4,194+56.4% |
| Participant deferral / active EE | $19,460 | $8,167+138.3% | $7,845+148.1% | $6,396+204.2% |
| Admin fee / account holder | $35,806 | $11,434+213.1% | $11,815+203.1% | $12,562+185.0% |