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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 | $460,137 | $100,147+359.5% | $81,286+466.1% | $145,877+215.4% |
| Participation rate | 80.0% | 74.2%+5.8pp | 69.5%+10.5pp | 80.3%-0.3pp |
| Annual return | 12.71% | 34.44%-21.7pp | 24.80%-12.1pp | 551.28%-538.6pp |
| Employer contribution / active EE | $4,802 | $2,977+61.3% | $2,463+95.0% | $4,663+3.0% |
| Participant deferral / active EE | $3,585 | $4,607-22.2% | $3,883-7.7% | $6,691-46.4% |
| Admin fee / account holder | $14,745 | $8,201+79.8% | $5,764+155.8% | $13,402+10.0% |