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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 | $320,986 | $136,860+134.5% | $120,344+166.7% | $154,746+107.4% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 15.48% | 21.38%-5.9pp | 20.30%-4.8pp | 172.34%-156.9pp |
| Employer contribution / active EE | $6,644 | $3,533+88.1% | $3,020+120.0% | $4,379+51.7% |
| Participant deferral / active EE | $18,441 | $5,793+218.3% | $5,135+259.1% | $6,730+174.0% |
| Admin fee / account holder | $32,008 | $15,393+107.9% | $12,742+151.2% | $14,365+122.8% |