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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 | $100,970+365.6% | $96,576+386.8% | $137,256+242.5% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 14.51% | 38.16%-23.6pp | 38.47%-24.0pp | 220.34%-205.8pp |
| Employer contribution / active EE | $17,053 | $3,809+347.7% | $3,553+379.9% | $4,156+310.3% |
| Participant deferral / active EE | $18,238 | $8,286+120.1% | $7,956+129.2% | $6,407+184.7% |
| Admin fee / account holder | $3,193 | $11,312-71.8% | $11,381-71.9% | $12,270-74.0% |