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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 | $418,470 | $135,956+207.8% | $123,894+237.8% | $273,972+52.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 5.78% | 56.63%-50.8pp | 47.52%-41.7pp | 41.46%-35.7pp |
| Employer contribution / active EE | $20,869 | $5,170+303.7% | $4,617+352.0% | $4,869+328.6% |
| Participant deferral / active EE | $11,750 | $6,343+85.3% | $5,984+96.4% | $5,287+122.2% |
| Admin fee / account holder | $1,570 | $9,817-84.0% | $8,357-81.2% | $10,133-84.5% |