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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 | $534,723 | $136,860+290.7% | $120,344+344.3% | $154,746+245.5% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 10.91% | 21.38%-10.5pp | 20.30%-9.4pp | 172.34%-161.4pp |
| Employer contribution / active EE | $16,378 | $3,533+363.6% | $3,020+442.3% | $4,379+274.0% |
| Participant deferral / active EE | $18,270 | $5,793+215.4% | $5,135+255.8% | $6,730+171.5% |
| Admin fee / account holder | $14,704 | $15,393-4.5% | $12,742+15.4% | $14,365+2.4% |