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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 | $472,356 | $154,193+206.3% | $130,045+263.2% | $139,466+238.7% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.5%-3.5pp | 80.3%-5.3pp |
| Annual return | 15.50% | 32.51%-17.0pp | -137.30%+152.8pp | 373.66%-358.2pp |
| Employer contribution / active EE | $10,585 | $5,292+100.0% | $4,321+144.9% | $4,754+122.6% |
| Participant deferral / active EE | $11,614 | $6,709+73.1% | $5,820+99.6% | $6,712+73.0% |
| Admin fee / account holder | $2,181 | $13,989-84.4% | $10,600-79.4% | $11,409-80.9% |