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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 | $124,425+323.2% | $112,040+370.0% | $137,256+283.7% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 14.48% | 24.72%-10.2pp | 24.52%-10.0pp | 220.34%-205.9pp |
| Employer contribution / active EE | $3,468 | $3,411+1.7% | $2,954+17.4% | $4,156-16.6% |
| Participant deferral / active EE | $15,168 | $5,718+165.3% | $5,098+197.5% | $6,407+136.7% |
| Admin fee / account holder | $807 | $15,207-94.7% | $12,098-93.3% | $12,270-93.4% |