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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 | $536,659 | $199,109+169.5% | $173,730+208.9% | $154,746+246.8% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 17.71% | 20.02%-2.3pp | 19.96%-2.2pp | 172.34%-154.6pp |
| Employer contribution / active EE | $2,746 | $5,311-48.3% | $4,577-40.0% | $4,379-37.3% |
| Participant deferral / active EE | $12,750 | $7,113+79.3% | $6,326+101.5% | $6,730+89.4% |
| Admin fee / account holder | $7,986 | $20,916-61.8% | $17,523-54.4% | $14,365-44.4% |