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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 | $124,425+158.0% | $112,040+186.5% | $137,256+133.9% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 15.48% | 24.72%-9.2pp | 24.52%-9.0pp | 220.34%-204.9pp |
| Employer contribution / active EE | $6,644 | $3,411+94.8% | $2,954+124.9% | $4,156+59.9% |
| Participant deferral / active EE | $18,441 | $5,718+222.5% | $5,098+261.8% | $6,407+187.8% |
| Admin fee / account holder | $32,008 | $15,207+110.5% | $12,098+164.6% | $12,270+160.9% |