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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 | $138,312+280.7% | $122,979+328.2% | $155,188+239.3% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 14.48% | 22.06%-7.6pp | 20.12%-5.6pp | 148.84%-134.4pp |
| Employer contribution / active EE | $3,468 | $3,530-1.8% | $3,062+13.2% | $4,248-18.4% |
| Participant deferral / active EE | $15,168 | $5,592+171.2% | $5,003+203.2% | $6,531+132.2% |
| Admin fee / account holder | $807 | $15,089-94.6% | $12,864-93.7% | $14,480-94.4% |