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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 | $492,398 | $176,786+178.5% | $146,643+235.8% | $167,536+193.9% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 29.49% | 24.04%+5.5pp | 22.75%+6.7pp | 478.82%-449.3pp |
| Employer contribution / active EE | $2,313 | $5,161-55.2% | $4,137-44.1% | $4,839-52.2% |
| Participant deferral / active EE | $2,470 | $6,440-61.6% | $5,506-55.1% | $6,342-61.1% |
| Admin fee / account holder | $3,144 | $13,262-76.3% | $10,280-69.4% | $12,315-74.5% |