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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 | $372,846 | $135,956+174.2% | $123,894+200.9% | $273,972+36.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 6.70% | 56.63%-49.9pp | 47.52%-40.8pp | 41.46%-34.8pp |
| Employer contribution / active EE | $15,058 | $5,170+191.3% | $4,617+226.2% | $4,869+209.3% |
| Participant deferral / active EE | $12,873 | $6,343+103.0% | $5,984+115.1% | $5,287+143.5% |
| Admin fee / account holder | $2,825 | $9,817-71.2% | $8,357-66.2% | $10,133-72.1% |