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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 | $318,541 | $87,166+265.4% | $76,735+315.1% | $137,256+132.1% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 17.65% | 26.50%-8.8pp | 29.77%-12.1pp | 220.34%-202.7pp |
| Employer contribution / active EE | $5,708 | $2,904+96.5% | $2,454+132.6% | $4,156+37.3% |
| Participant deferral / active EE | $13,101 | $4,726+177.2% | $4,088+220.5% | $6,407+104.5% |
| Admin fee / account holder | $5,213 | $8,403-38.0% | $7,189-27.5% | $12,270-57.5% |