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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 | $470,113 | $107,666+336.6% | $102,184+360.1% | $154,746+203.8% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 14.51% | 29.33%-14.8pp | 31.58%-17.1pp | 172.34%-157.8pp |
| Employer contribution / active EE | $17,053 | $3,846+343.4% | $3,594+374.5% | $4,379+289.4% |
| Participant deferral / active EE | $18,238 | $8,719+109.2% | $8,309+119.5% | $6,730+171.0% |
| Admin fee / account holder | $3,193 | $12,943-75.3% | $11,609-72.5% | $14,365-77.8% |