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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 | $460,315 | $181,062+154.2% | $158,223+190.9% | $155,188+196.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 19.09% | 57.39%-38.3pp | 52.09%-33.0pp | 148.84%-129.8pp |
| Employer contribution / active EE | $1,216 | $4,565-73.4% | $4,109-70.4% | $4,248-71.4% |
| Participant deferral / active EE | $3,902 | $6,134-36.4% | $5,467-28.6% | $6,531-40.2% |
| Admin fee / account holder | $3,278 | $18,825-82.6% | $16,047-79.6% | $14,480-77.4% |