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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 | $513,740 | $201,372+155.1% | $184,260+178.8% | $145,884+252.2% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 11.76% | 29.04%-17.3pp | 28.84%-17.1pp | 551.85%-540.1pp |
| Employer contribution / active EE | $3,318 | $7,024-52.8% | $6,427-48.4% | $4,662-28.8% |
| Participant deferral / active EE | $11,658 | $9,808+18.9% | $9,133+27.7% | $6,690+74.3% |
| Admin fee / account holder | $3,628 | $16,362-77.8% | $13,898-73.9% | $13,392-72.9% |