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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 | $528,880 | $176,786+199.2% | $146,643+260.7% | $167,536+215.7% |
| Participation rate | 80.0% | 83.6%-3.6pp | 80.1%-0.1pp | 82.1%-2.1pp |
| Annual return | 16.22% | 24.04%-7.8pp | 22.75%-6.5pp | 478.82%-462.6pp |
| Employer contribution / active EE | $1,895 | $5,161-63.3% | $4,137-54.2% | $4,839-60.8% |
| Participant deferral / active EE | $14,734 | $6,440+128.8% | $5,506+167.6% | $6,342+132.3% |
| Admin fee / account holder | $1,165 | $13,262-91.2% | $10,280-88.7% | $12,315-90.5% |