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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 | $526,604 | $136,860+284.8% | $120,344+337.6% | $154,746+240.3% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 14.48% | 21.38%-6.9pp | 20.30%-5.8pp | 172.34%-157.9pp |
| Employer contribution / active EE | $3,468 | $3,533-1.8% | $3,020+14.8% | $4,379-20.8% |
| Participant deferral / active EE | $15,168 | $5,793+161.8% | $5,135+195.4% | $6,730+125.4% |
| Admin fee / account holder | $807 | $15,393-94.8% | $12,742-93.7% | $14,365-94.4% |