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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 | $448,471 | $117,846+280.6% | $102,434+337.8% | $145,884+207.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 9.24% | 31.90%-22.7pp | 29.46%-20.2pp | 551.85%-542.6pp |
| Employer contribution / active EE | $6,223 | $3,615+72.2% | $3,023+105.8% | $4,662+33.5% |
| Participant deferral / active EE | $14,885 | $5,733+159.6% | $5,055+194.5% | $6,690+122.5% |
| Admin fee / account holder | $5,625 | $13,356-57.9% | $9,462-40.6% | $13,392-58.0% |