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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 | $333,013 | $136,860+143.3% | $120,344+176.7% | $154,746+115.2% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 21.77% | 21.38%+0.4pp | 20.30%+1.5pp | 172.34%-150.6pp |
| Employer contribution / active EE | $4,123 | $3,533+16.7% | $3,020+36.5% | $4,379-5.9% |
| Participant deferral / active EE | $14,500 | $5,793+150.3% | $5,135+182.4% | $6,730+115.4% |
| Admin fee / account holder | $365 | $15,393-97.6% | $12,742-97.1% | $14,365-97.5% |