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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 | $100,970+290.6% | $96,576+308.4% | $137,256+187.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 13.72% | 38.16%-24.4pp | 38.47%-24.8pp | 220.34%-206.6pp |
| Employer contribution / active EE | $6,562 | $3,809+72.3% | $3,553+84.7% | $4,156+57.9% |
| Participant deferral / active EE | $19,460 | $8,286+134.8% | $7,956+144.6% | $6,407+203.7% |
| Admin fee / account holder | $35,806 | $11,312+216.5% | $11,381+214.6% | $12,270+191.8% |