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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 | $533,108 | $124,425+328.5% | $112,040+375.8% | $137,256+288.4% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 18.33% | 24.72%-6.4pp | 24.52%-6.2pp | 220.34%-202.0pp |
| Employer contribution / active EE | $1,802 | $3,411-47.2% | $2,954-39.0% | $4,156-56.6% |
| Participant deferral / active EE | $9,700 | $5,718+69.6% | $5,098+90.3% | $6,407+51.4% |
| Admin fee / account holder | $2,757 | $15,207-81.9% | $12,098-77.2% | $12,270-77.5% |