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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 | $167,415+214.5% | $140,514+274.8% | $198,609+165.1% |
| Participation rate | 100.0% | 80.9%+19.1pp | 77.8%+22.2pp | 82.4%+17.6pp |
| Annual return | 14.48% | 13.85%+0.6pp | 14.36%+0.1pp | 202.70%-188.2pp |
| Employer contribution / active EE | $3,468 | $4,088-15.2% | $3,378+2.6% | $5,055-31.4% |
| Participant deferral / active EE | $15,168 | $5,579+171.9% | $4,919+208.4% | $6,977+117.4% |
| Admin fee / account holder | $807 | $16,730-95.2% | $13,697-94.1% | $19,030-95.8% |