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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 | $457,216 | $155,555+193.9% | $146,866+211.3% | $155,188+194.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 13.38% | 115.41%-102.0pp | 102.85%-89.5pp | 148.84%-135.5pp |
| Employer contribution / active EE | $926 | $4,647-80.1% | $4,425-79.1% | $4,248-78.2% |
| Participant deferral / active EE | $2,832 | $8,044-64.8% | $7,759-63.5% | $6,531-56.6% |
| Admin fee / account holder | $12,943 | $14,755-12.3% | $13,620-5.0% | $14,480-10.6% |