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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 | $427,799 | $105,861+304.1% | $90,756+371.4% | $134,509+218.0% |
| Participation rate | 100.0% | 78.2%+21.8pp | 75.7%+24.3pp | 81.2%+18.8pp |
| Annual return | 7.46% | -10.99%+18.5pp | -12.16%+19.6pp | 418.13%-410.7pp |
| Employer contribution / active EE | $14,624 | $3,463+322.2% | $2,922+400.5% | $4,741+208.5% |
| Participant deferral / active EE | $7,224 | $5,217+38.5% | $4,565+58.3% | $6,400+12.9% |
| Admin fee / account holder | $6,685 | $13,938-52.0% | $8,445-20.8% | $11,427-41.5% |