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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 | $354,349 | $106,280+233.4% | $96,538+267.1% | $139,487+154.0% |
| Participation rate | 87.5% | 77.8%+9.7pp | 74.3%+13.2pp | 80.3%+7.2pp |
| Annual return | 22.37% | 38.48%-16.1pp | 35.74%-13.4pp | 373.84%-351.5pp |
| Employer contribution / active EE | $16,798 | $4,107+309.0% | $3,740+349.1% | $4,755+253.3% |
| Participant deferral / active EE | $16,000 | $5,457+193.2% | $4,880+227.8% | $6,713+138.4% |
| Admin fee / account holder | $1,639 | $7,888-79.2% | $6,737-75.7% | $11,407-85.6% |