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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 | $535,461 | $155,555+244.2% | $146,866+264.6% | $155,188+245.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 16.73% | 115.41%-98.7pp | 102.85%-86.1pp | 148.84%-132.1pp |
| Employer contribution / active EE | $17,010 | $4,647+266.1% | $4,425+284.4% | $4,248+300.4% |
| Participant deferral / active EE | $15,788 | $8,044+96.3% | $7,759+103.5% | $6,531+141.7% |
| Admin fee / account holder | $11,197 | $14,755-24.1% | $13,620-17.8% | $14,480-22.7% |