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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 | $530,677 | $201,372+163.5% | $184,260+188.0% | $145,884+263.8% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 9.95% | 29.04%-19.1pp | 28.84%-18.9pp | 551.85%-541.9pp |
| Employer contribution / active EE | $4,782 | $7,024-31.9% | $6,427-25.6% | $4,662+2.6% |
| Participant deferral / active EE | $16,450 | $9,808+67.7% | $9,133+80.1% | $6,690+145.9% |
| Admin fee / account holder | $3,258 | $16,362-80.1% | $13,898-76.6% | $13,392-75.7% |