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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 | $388,628 | $115,917+235.3% | $100,535+286.6% | $158,982+144.4% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 15.76% | 34.80%-19.0pp | 30.90%-15.1pp | 302.99%-287.2pp |
| Employer contribution / active EE | $19,629 | $4,105+378.1% | $3,419+474.2% | $4,763+312.1% |
| Participant deferral / active EE | $26,000 | $6,677+289.4% | $6,271+314.6% | $5,983+334.5% |
| Admin fee / account holder | $3,654 | $11,002-66.8% | $8,085-54.8% | $11,252-67.5% |