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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 | $446,888 | $165,399+170.2% | $149,745+198.4% | $158,982+181.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 20.16% | 348.34%-328.2pp | 276.72%-256.6pp | 302.99%-282.8pp |
| Employer contribution / active EE | $2,189 | $5,105-57.1% | $4,646-52.9% | $4,763-54.0% |
| Participant deferral / active EE | $9,159 | $7,183+27.5% | $6,843+33.8% | $5,983+53.1% |
| Admin fee / account holder | $2,523 | $10,811-76.7% | $9,312-72.9% | $11,252-77.6% |