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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 | $451,060 | $124,346+262.7% | $111,308+305.2% | $167,536+169.2% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 14.99% | 37.45%-22.5pp | 54.67%-39.7pp | 478.82%-463.8pp |
| Employer contribution / active EE | $7,473 | $3,437+117.4% | $2,732+173.6% | $4,839+54.4% |
| Participant deferral / active EE | $25,878 | $5,182+399.4% | $4,487+476.7% | $6,342+308.0% |
| Admin fee / account holder | $1,023 | $10,621-90.4% | $7,965-87.2% | $12,315-91.7% |