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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 | $373,734 | $111,301+235.8% | $112,977+230.8% | $158,966+135.1% |
| Participation rate | 100.0% | 83.5%+16.5pp | 82.6%+17.4pp | 82.0%+18.0pp |
| Annual return | 14.54% | 26.40%-11.9pp | 24.24%-9.7pp | 302.95%-288.4pp |
| Employer contribution / active EE | $2,543 | $4,471-43.1% | $4,255-40.2% | $4,762-46.6% |
| Participant deferral / active EE | $10,205 | $5,880+73.6% | $5,836+74.9% | $5,983+70.6% |
| Admin fee / account holder | $1,164 | $8,392-86.1% | $6,294-81.5% | $11,250-89.7% |