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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 | $326,481 | $124,425+162.4% | $112,040+191.4% | $137,256+137.9% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 14.22% | 24.72%-10.5pp | 24.52%-10.3pp | 220.34%-206.1pp |
| Employer contribution / active EE | $5,843 | $3,411+71.3% | $2,954+97.8% | $4,156+40.6% |
| Participant deferral / active EE | $4,376 | $5,718-23.5% | $5,098-14.2% | $6,407-31.7% |
| Admin fee / account holder | $20,000 | $15,207+31.5% | $12,098+65.3% | $12,270+63.0% |