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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 | $442,832 | $201,259+120.0% | $184,200+140.4% | $145,959+203.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 18.48% | 28.98%-10.5pp | 28.80%-10.3pp | 561.95%-543.5pp |
| Employer contribution / active EE | $4,213 | $7,018-40.0% | $6,424-34.4% | $4,661-9.6% |
| Participant deferral / active EE | $6,024 | $9,806-38.6% | $9,132-34.0% | $6,689-9.9% |
| Admin fee / account holder | $3,739 | $16,372-77.2% | $13,907-73.1% | $13,398-72.1% |