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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 | $414,246 | $96,524+329.2% | $75,900+445.8% | $152,909+170.9% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 15.95% | 33.93%-18.0pp | 30.73%-14.8pp | 345.46%-329.5pp |
| Employer contribution / active EE | $4,961 | $3,311+49.8% | $2,501+98.4% | $4,764+4.1% |
| Participant deferral / active EE | $17,258 | $4,554+279.0% | $3,604+378.9% | $5,851+194.9% |
| Admin fee / account holder | $3,128 | $8,082-61.3% | $5,421-42.3% | $11,601-73.0% |