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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 | $369,901 | $102,245+261.8% | $89,340+314.0% | $137,256+169.5% |
| Participation rate | 100.0% | 74.9%+25.1pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 15.20% | 21.89%-6.7pp | 20.57%-5.4pp | 220.34%-205.1pp |
| Employer contribution / active EE | $7,930 | $2,529+213.5% | $2,231+255.4% | $4,156+90.8% |
| Participant deferral / active EE | $8,667 | $4,436+95.4% | $3,823+126.7% | $6,407+35.3% |
| Admin fee / account holder | $5,430 | $8,085-32.8% | $6,704-19.0% | $12,270-55.7% |