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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 | $431,593 | $210,343+105.2% | $153,476+181.2% | $145,978+195.7% |
| Participation rate | 100.0% | 82.1%+17.9pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 17.21% | 13.38%+3.8pp | 15.66%+1.6pp | 550.52%-533.3pp |
| Employer contribution / active EE | $46,000 | $6,047+660.7% | $5,038+813.1% | $4,662+886.7% |
| Participant deferral / active EE | $30,500 | $7,977+282.4% | $6,759+351.3% | $6,690+355.9% |
| Admin fee / account holder | $11,601 | $19,424-40.3% | $12,729-8.9% | $13,400-13.4% |