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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 | $437,441 | $115,225+279.6% | $100,712+334.3% | $138,895+214.9% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 16.20% | 40.35%-24.2pp | 33.27%-17.1pp | 145.39%-129.2pp |
| Employer contribution / active EE | $4,071 | $2,771+46.9% | $2,313+76.0% | $4,194-2.9% |
| Participant deferral / active EE | $11,786 | $4,699+150.8% | $4,085+188.5% | $6,396+84.3% |
| Admin fee / account holder | $1,931 | $10,844-82.2% | $9,256-79.1% | $12,562-84.6% |