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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 | $479,806 | $211,239+127.1% | $178,528+168.8% | $145,877+228.9% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 19.50% | 30.22%-10.7pp | 27.11%-7.6pp | 551.28%-531.8pp |
| Employer contribution / active EE | $2,803 | $4,570-38.7% | $3,950-29.1% | $4,663-39.9% |
| Participant deferral / active EE | $21,417 | $6,963+207.6% | $6,278+241.1% | $6,691+220.1% |
| Admin fee / account holder | $1,749 | $12,095-85.5% | $10,419-83.2% | $13,402-86.9% |