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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 | $463,587 | $97,125+377.3% | $86,233+437.6% | $137,256+237.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 35.55% | 74.19%-38.6pp | 61.39%-25.8pp | 220.34%-184.8pp |
| Employer contribution / active EE | $523 | $2,841-81.6% | $2,504-79.1% | $4,156-87.4% |
| Participant deferral / active EE | $12,044 | $5,180+132.5% | $4,559+164.2% | $6,407+88.0% |
| Admin fee / account holder | $16,684 | $9,725+71.6% | $8,342+100.0% | $12,270+36.0% |