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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 | $371,984 | $126,661+193.7% | $113,397+228.0% | $138,895+167.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 13.19% | 25.05%-11.9pp | 23.20%-10.0pp | 145.39%-132.2pp |
| Employer contribution / active EE | $17,274 | $3,456+399.8% | $2,977+480.2% | $4,194+311.9% |
| Participant deferral / active EE | $11,967 | $5,693+110.2% | $5,076+135.7% | $6,396+87.1% |
| Admin fee / account holder | $4,886 | $14,549-66.4% | $11,957-59.1% | $12,562-61.1% |