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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 | $390,551 | $228,395+71.0% | $185,861+110.1% | $158,982+145.7% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 25.17% | 40.82%-15.6pp | 35.96%-10.8pp | 302.99%-277.8pp |
| Employer contribution / active EE | $2,171 | $4,968-56.3% | $4,088-46.9% | $4,763-54.4% |
| Participant deferral / active EE | $18,500 | $6,417+188.3% | $5,634+228.4% | $5,983+209.2% |
| Admin fee / account holder | $4,365 | $11,869-63.2% | $9,503-54.1% | $11,252-61.2% |