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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 | $459,613 | $102,245+349.5% | $89,340+414.5% | $137,256+234.9% |
| Participation rate | 90.0% | 74.9%+15.1pp | 69.6%+20.4pp | 80.0%+10.0pp |
| Annual return | 13.33% | 21.89%-8.6pp | 20.57%-7.2pp | 220.34%-207.0pp |
| Employer contribution / active EE | $5,803 | $2,529+129.5% | $2,231+160.1% | $4,156+39.6% |
| Participant deferral / active EE | $3,545 | $4,436-20.1% | $3,823-7.3% | $6,407-44.7% |
| Admin fee / account holder | $15,358 | $8,085+89.9% | $6,704+129.1% | $12,270+25.2% |