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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 | $403,233 | $107,666+274.5% | $102,184+294.6% | $154,746+160.6% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 16.30% | 29.33%-13.0pp | 31.58%-15.3pp | 172.34%-156.0pp |
| Employer contribution / active EE | $4,206 | $3,846+9.4% | $3,594+17.0% | $4,379-3.9% |
| Participant deferral / active EE | $8,229 | $8,719-5.6% | $8,309-1.0% | $6,730+22.3% |
| Admin fee / account holder | $6,531 | $12,943-49.5% | $11,609-43.7% | $14,365-54.5% |