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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 | $358,019 | $117,426+204.9% | $99,470+259.9% | $152,885+134.2% |
| Participation rate | 100.0% | 77.5%+22.5pp | 73.8%+26.2pp | 82.5%+17.5pp |
| Annual return | 20.73% | 31.87%-11.1pp | 30.72%-10.0pp | 345.39%-324.7pp |
| Employer contribution / active EE | $6,478 | $3,014+115.0% | $2,540+155.0% | $4,763+36.0% |
| Participant deferral / active EE | $7,403 | $4,086+81.2% | $3,619+104.6% | $5,851+26.5% |
| Admin fee / account holder | $2,769 | $7,634-63.7% | $6,252-55.7% | $11,598-76.1% |