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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 | $400,549 | $110,278+263.2% | $95,740+318.4% | $139,466+187.2% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 10.72% | 27.19%-16.5pp | 28.41%-17.7pp | 373.66%-362.9pp |
| Employer contribution / active EE | $1,535 | $3,260-52.9% | $2,836-45.9% | $4,754-67.7% |
| Participant deferral / active EE | $5,542 | $4,674+18.6% | $4,244+30.6% | $6,712-17.4% |
| Admin fee / account holder | $14,539 | $6,613+119.8% | $5,676+156.1% | $11,409+27.4% |