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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 | $311,562 | $141,001+121.0% | $112,228+177.6% | $139,487+123.4% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 16.53% | 32.75%-16.2pp | 30.23%-13.7pp | 373.84%-357.3pp |
| Employer contribution / active EE | $11,802 | $4,285+175.4% | $3,432+243.9% | $4,755+148.2% |
| Participant deferral / active EE | $13,680 | $5,877+132.8% | $4,800+185.0% | $6,713+103.8% |
| Admin fee / account holder | $13,002 | $9,959+30.6% | $7,752+67.7% | $11,407+14.0% |