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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 | $324,213 | $124,425+160.6% | $112,040+189.4% | $137,256+136.2% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 11.99% | 24.72%-12.7pp | 24.52%-12.5pp | 220.34%-208.4pp |
| Employer contribution / active EE | $9,396 | $3,411+175.4% | $2,954+218.1% | $4,156+126.1% |
| Participant deferral / active EE | $8,919 | $5,718+56.0% | $5,098+75.0% | $6,407+39.2% |
| Admin fee / account holder | $10,206 | $15,207-32.9% | $12,098-15.6% | $12,270-16.8% |