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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 | $428,935 | $147,556+190.7% | $129,031+232.4% | $198,609+116.0% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 13.39% | 37.41%-24.0pp | 34.67%-21.3pp | 202.70%-189.3pp |
| Employer contribution / active EE | $7,715 | $3,645+111.7% | $3,226+139.1% | $5,055+52.6% |
| Participant deferral / active EE | $21,468 | $5,760+272.7% | $5,217+311.5% | $6,977+207.7% |
| Admin fee / account holder | $3,623 | $15,467-76.6% | $13,208-72.6% | $19,030-81.0% |