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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 | $424,368 | $141,001+201.0% | $112,228+278.1% | $139,487+204.2% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 15.66% | 32.75%-17.1pp | 30.23%-14.6pp | 373.84%-358.2pp |
| Employer contribution / active EE | $22,981 | $4,285+436.3% | $3,432+569.7% | $4,755+383.3% |
| Participant deferral / active EE | $6,854 | $5,877+16.6% | $4,800+42.8% | $6,713+2.1% |
| Admin fee / account holder | $6,513 | $9,959-34.6% | $7,752-16.0% | $11,407-42.9% |