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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 | $470,157 | $106,588+341.1% | $94,215+399.0% | $155,188+203.0% |
| Participation rate | 100.0% | 74.3%+25.7pp | 70.0%+30.0pp | 80.8%+19.2pp |
| Annual return | 12.33% | 29.39%-17.1pp | 28.22%-15.9pp | 148.84%-136.5pp |
| Employer contribution / active EE | $2,809 | $3,080-8.8% | $2,675+5.0% | $4,248-33.9% |
| Participant deferral / active EE | $5,625 | $4,802+17.1% | $4,276+31.6% | $6,531-13.9% |
| Admin fee / account holder | $5,037 | $12,281-59.0% | $10,216-50.7% | $14,480-65.2% |