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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 | $387,154 | $155,555+148.9% | $146,866+163.6% | $155,188+149.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 15.13% | 115.41%-100.3pp | 102.85%-87.7pp | 148.84%-133.7pp |
| Employer contribution / active EE | $9,396 | $4,647+102.2% | $4,425+112.4% | $4,248+121.2% |
| Participant deferral / active EE | $5,671 | $8,044-29.5% | $7,759-26.9% | $6,531-13.2% |
| Admin fee / account holder | $11,344 | $14,755-23.1% | $13,620-16.7% | $14,480-21.7% |