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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 | $474,468 | $111,814+324.3% | $103,374+359.0% | $145,959+225.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 22.64% | 24.77%-2.1pp | 24.89%-2.2pp | 561.95%-539.3pp |
| Employer contribution / active EE | $28,240 | $4,214+570.2% | $3,869+629.8% | $4,661+505.9% |
| Participant deferral / active EE | $19,362 | $5,618+244.6% | $5,058+282.8% | $6,689+189.5% |
| Admin fee / account holder | $8,121 | $9,754-16.7% | $8,394-3.2% | $13,398-39.4% |