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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 | $395,123 | $110,410+257.9% | $102,437+285.7% | $145,897+170.8% |
| Participation rate | 88.9% | 77.9%+11.0pp | 74.5%+14.4pp | 80.3%+8.6pp |
| Annual return | 15.12% | 24.85%-9.7pp | 24.95%-9.8pp | 552.29%-537.2pp |
| Employer contribution / active EE | $23,779 | $4,217+463.9% | $3,871+514.3% | $4,663+410.0% |
| Participant deferral / active EE | $10,167 | $5,622+80.8% | $5,060+100.9% | $6,689+52.0% |
| Admin fee / account holder | $1,943 | $9,745-80.1% | $8,388-76.8% | $13,390-85.5% |