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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 | $475,953 | $165,361+187.8% | $149,715+217.9% | $158,950+199.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.39% | 348.24%-332.9pp | 276.66%-261.3pp | 302.91%-287.5pp |
| Employer contribution / active EE | $1,166 | $5,103-77.2% | $4,645-74.9% | $4,762-75.5% |
| Participant deferral / active EE | $8,293 | $7,182+15.5% | $6,842+21.2% | $5,983+38.6% |
| Admin fee / account holder | $9,675 | $10,808-10.5% | $9,310+3.9% | $11,248-14.0% |