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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 | $445,619 | $117,904+277.9% | $102,457+334.9% | $145,978+205.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 16.53% | 31.80%-15.3pp | 29.41%-12.9pp | 550.52%-534.0pp |
| Employer contribution / active EE | $1,475 | $3,613-59.2% | $3,022-51.2% | $4,662-68.4% |
| Participant deferral / active EE | $12,625 | $5,733+120.2% | $5,054+149.8% | $6,690+88.7% |
| Admin fee / account holder | $22,489 | $13,329+68.7% | $9,451+137.9% | $13,400+67.8% |