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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 | $362,051 | $94,031+285.0% | $115,768+212.7% | $82,448+339.1% |
| Participation rate | 94.8% | 70.4%+24.4pp | 74.4%+20.4pp | 68.1%+26.8pp |
| Annual return | 12.59% | 20.61%-8.0pp | 100.46%-87.9pp | 41.64%-29.1pp |
| Employer contribution / active EE | $4,925 | $2,323+112.0% | $2,940+67.5% | $2,551+93.1% |
| Participant deferral / active EE | $9,943 | $3,972+150.3% | $4,917+102.2% | $4,139+140.2% |
| Admin fee / account holder | $54,462 | $10,249+431.4% | $12,439+337.8% | $7,234+652.8% |