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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 | $451,299 | $114,119+295.5% | $107,187+321.0% | $138,895+224.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 14.76% | 273.21%-258.4pp | 204.55%-189.8pp | 145.39%-130.6pp |
| Employer contribution / active EE | $6,757 | $4,059+66.5% | $3,782+78.7% | $4,194+61.1% |
| Participant deferral / active EE | $15,466 | $5,538+179.3% | $5,096+203.5% | $6,396+141.8% |
| Admin fee / account holder | $4,760 | $10,024-52.5% | $9,162-48.0% | $12,562-62.1% |