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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 | $459,600 | $124,425+269.4% | $112,040+310.2% | $137,256+234.8% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 15.19% | 24.72%-9.5pp | 24.52%-9.3pp | 220.34%-205.2pp |
| Employer contribution / active EE | $2,905 | $3,411-14.8% | $2,954-1.6% | $4,156-30.1% |
| Participant deferral / active EE | $20,691 | $5,718+261.8% | $5,098+305.9% | $6,407+223.0% |
| Admin fee / account holder | $1,151 | $15,207-92.4% | $12,098-90.5% | $12,270-90.6% |