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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 | $458,131 | $199,109+130.1% | $173,730+163.7% | $154,746+196.1% |
| Participation rate | 90.9% | 82.8%+8.1pp | 79.6%+11.3pp | 80.7%+10.2pp |
| Annual return | 11.95% | 20.02%-8.1pp | 19.96%-8.0pp | 172.34%-160.4pp |
| Employer contribution / active EE | $12,259 | $5,311+130.8% | $4,577+167.8% | $4,379+179.9% |
| Participant deferral / active EE | $15,131 | $7,113+112.7% | $6,326+139.2% | $6,730+124.8% |
| Admin fee / account holder | $12,853 | $20,916-38.5% | $17,523-26.7% | $14,365-10.5% |