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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 | $473,399 | $135,956+248.2% | $123,894+282.1% | $273,972+72.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 5.77% | 56.63%-50.9pp | 47.52%-41.7pp | 41.46%-35.7pp |
| Employer contribution / active EE | $20,045 | $5,170+287.7% | $4,617+334.2% | $4,869+311.7% |
| Participant deferral / active EE | $13,850 | $6,343+118.4% | $5,984+131.4% | $5,287+162.0% |
| Admin fee / account holder | $53,339 | $9,817+443.3% | $8,357+538.2% | $10,133+426.4% |