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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 | $352,399 | $112,729+212.6% | $98,716+257.0% | $137,256+156.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 14.15% | 38.48%-24.3pp | 31.81%-17.7pp | 220.34%-206.2pp |
| Employer contribution / active EE | $4,197 | $2,725+54.0% | $2,279+84.2% | $4,156+1.0% |
| Participant deferral / active EE | $15,560 | $4,640+235.3% | $4,048+284.4% | $6,407+142.9% |
| Admin fee / account holder | $4,383 | $10,129-56.7% | $8,703-49.6% | $12,270-64.3% |