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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 | $416,213 | $102,609+305.6% | $98,090+324.3% | $138,895+199.7% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 14.16% | 36.44%-22.3pp | 37.05%-22.9pp | 145.39%-131.2pp |
| Employer contribution / active EE | $4,853 | $3,867+25.5% | $3,606+34.6% | $4,194+15.7% |
| Participant deferral / active EE | $18,256 | $8,167+123.5% | $7,845+132.7% | $6,396+185.4% |
| Admin fee / account holder | $21,835 | $11,434+91.0% | $11,815+84.8% | $12,562+73.8% |