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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 | $522,094 | $154,209+238.6% | $130,062+301.4% | $139,487+274.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 11.02% | 32.52%-21.5pp | -137.37%+148.4pp | 373.84%-362.8pp |
| Employer contribution / active EE | $3,818 | $5,292-27.9% | $4,322-11.7% | $4,755-19.7% |
| Participant deferral / active EE | $3,088 | $6,709-54.0% | $5,821-47.0% | $6,713-54.0% |
| Admin fee / account holder | $8,132 | $13,988-41.9% | $10,601-23.3% | $11,407-28.7% |