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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 | $327,414 | $104,251+214.1% | $91,004+259.8% | $147,586+121.8% |
| Participation rate | 100.0% | 78.2%+21.8pp | 75.6%+24.4pp | 82.8%+17.2pp |
| Annual return | 14.06% | 27.06%-13.0pp | 4.60%+9.5pp | 578.59%-564.5pp |
| Employer contribution / active EE | $8,834 | $3,116+183.5% | $2,456+259.7% | $4,876+81.1% |
| Participant deferral / active EE | $4,319 | $4,195+2.9% | $3,548+21.7% | $5,439-20.6% |
| Admin fee / account holder | $10,672 | $8,948+19.3% | $5,417+97.0% | $10,886-2.0% |