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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 | $424,849 | $111,814+280.0% | $103,374+311.0% | $145,959+191.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 14.27% | 24.77%-10.5pp | 24.89%-10.6pp | 561.95%-547.7pp |
| Employer contribution / active EE | $13,730 | $4,214+225.8% | $3,869+254.8% | $4,661+194.6% |
| Participant deferral / active EE | $12,167 | $5,618+116.6% | $5,058+140.6% | $6,689+81.9% |
| Admin fee / account holder | $659 | $9,754-93.2% | $8,394-92.2% | $13,398-95.1% |