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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 | $476,336 | $199,109+139.2% | $173,730+174.2% | $154,746+207.8% |
| Participation rate | 90.9% | 82.8%+8.1pp | 79.6%+11.3pp | 80.7%+10.2pp |
| Annual return | 18.12% | 20.02%-1.9pp | 19.96%-1.8pp | 172.34%-154.2pp |
| Employer contribution / active EE | $10,903 | $5,311+105.3% | $4,577+138.2% | $4,379+149.0% |
| Participant deferral / active EE | $7,000 | $7,113-1.6% | $6,326+10.6% | $6,730+4.0% |
| Admin fee / account holder | $4,403 | $20,916-78.9% | $17,523-74.9% | $14,365-69.3% |