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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 | $401,923 | $153,769+161.4% | $133,975+200.0% | $273,972+46.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 8.38% | 36.51%-28.1pp | 29.29%-20.9pp | 41.46%-33.1pp |
| Employer contribution / active EE | $22,945 | $6,029+280.6% | $5,211+340.3% | $4,869+371.3% |
| Participant deferral / active EE | $18,954 | $6,958+172.4% | $6,282+201.7% | $5,287+258.5% |
| Admin fee / account holder | $622 | $11,765-94.7% | $9,324-93.3% | $10,133-93.9% |