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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 | $415,384 | $199,109+108.6% | $173,730+139.1% | $154,746+168.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 13.41% | 20.02%-6.6pp | 19.96%-6.5pp | 172.34%-158.9pp |
| Employer contribution / active EE | $3,564 | $5,311-32.9% | $4,577-22.1% | $4,379-18.6% |
| Participant deferral / active EE | $8,720 | $7,113+22.6% | $6,326+37.8% | $6,730+29.6% |
| Admin fee / account holder | $58,236 | $20,916+178.4% | $17,523+232.3% | $14,365+305.4% |