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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 | $456,869 | $167,353+173.0% | $143,797+217.7% | $134,545+239.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | 0.24% | 0.48%-0.2pp | -0.04%+0.3pp | 418.37%-418.1pp |
| Employer contribution / active EE | $14,955 | $5,620+166.1% | $4,952+202.0% | $4,742+215.4% |
| Participant deferral / active EE | $10,063 | $6,447+56.1% | $5,638+78.5% | $6,401+57.2% |
| Admin fee / account holder | $3,916 | $18,096-78.4% | $14,679-73.3% | $11,431-65.7% |