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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 | $416,195 | $96,558+331.0% | $80,977+414.0% | $273,972+51.9% |
| Participation rate | 100.0% | 79.1%+20.9pp | 75.8%+24.2pp | 83.0%+17.0pp |
| Annual return | 6.66% | 15.14%-8.5pp | 17.11%-10.4pp | 41.46%-34.8pp |
| Employer contribution / active EE | $13,664 | $4,869+180.6% | $3,715+267.8% | $4,869+180.6% |
| Participant deferral / active EE | $22,500 | $6,598+241.0% | $5,696+295.0% | $5,287+325.6% |
| Admin fee / account holder | $2,811 | $7,493-62.5% | $5,517-49.0% | $10,133-72.3% |