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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 | $462,310 | $115,917+298.8% | $100,535+359.8% | $158,982+190.8% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 20.62% | 34.80%-14.2pp | 30.90%-10.3pp | 302.99%-282.4pp |
| Employer contribution / active EE | $25,617 | $4,105+524.0% | $3,419+649.3% | $4,763+437.8% |
| Participant deferral / active EE | $13,836 | $6,677+107.2% | $6,271+120.6% | $5,983+131.2% |
| Admin fee / account holder | $3,540 | $11,002-67.8% | $8,085-56.2% | $11,252-68.5% |