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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 | $342,776 | $107,733+218.2% | $92,985+268.6% | $154,746+121.5% |
| Participation rate | 100.0% | 74.6%+25.4pp | 69.5%+30.5pp | 80.7%+19.3pp |
| Annual return | 19.53% | 30.39%-10.9pp | 27.99%-8.5pp | 172.34%-152.8pp |
| Employer contribution / active EE | $27,668 | $3,126+784.9% | $2,662+939.3% | $4,379+531.8% |
| Participant deferral / active EE | $17,962 | $5,053+255.5% | $4,377+310.4% | $6,730+166.9% |
| Admin fee / account holder | $1,588 | $11,369-86.0% | $9,463-83.2% | $14,365-88.9% |