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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 | $486,430 | $117,895+312.6% | $102,460+374.8% | $145,897+233.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 11.80% | 31.92%-20.1pp | 29.47%-17.7pp | 552.29%-540.5pp |
| Employer contribution / active EE | $7,249 | $3,619+100.3% | $3,025+139.6% | $4,663+55.5% |
| Participant deferral / active EE | $16,424 | $5,736+186.3% | $5,056+224.8% | $6,689+145.5% |
| Admin fee / account holder | $16,060 | $13,353+20.3% | $9,460+69.8% | $13,390+19.9% |