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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 | $424,582 | $127,386+233.3% | $115,037+269.1% | $125,388+238.6% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 1.22% | 31.28%-30.1pp | 26.14%-24.9pp | 282.24%-281.0pp |
| Employer contribution / active EE | $23,063 | $5,166+346.4% | $4,608+400.5% | $4,866+374.0% |
| Participant deferral / active EE | $16,625 | $6,423+158.8% | $6,026+175.9% | $5,352+210.7% |
| Admin fee / account holder | $351 | $9,516-96.3% | $8,175-95.7% | $9,541-96.3% |