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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 | $387,107 | $139,948+176.6% | $121,663+218.2% | $154,746+150.2% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.5%+25.5pp | 80.7%+19.3pp |
| Annual return | 17.00% | 230.52%-213.5pp | 147.54%-130.5pp | 172.34%-155.3pp |
| Employer contribution / active EE | $4,045 | $3,521+14.9% | $3,020+33.9% | $4,379-7.6% |
| Participant deferral / active EE | $5,581 | $5,629-0.8% | $4,887+14.2% | $6,730-17.1% |
| Admin fee / account holder | $9,122 | $17,321-47.3% | $14,289-36.2% | $14,365-36.5% |