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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 | $327,189 | $135,956+140.7% | $123,894+164.1% | $273,972+19.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 12.78% | 56.63%-43.8pp | 47.52%-34.7pp | 41.46%-28.7pp |
| Employer contribution / active EE | $13,831 | $5,170+167.5% | $4,617+199.6% | $4,869+184.1% |
| Participant deferral / active EE | $15,527 | $6,343+144.8% | $5,984+159.5% | $5,287+193.7% |
| Admin fee / account holder | $2,113 | $9,817-78.5% | $8,357-74.7% | $10,133-79.1% |