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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 | $461,197 | $211,105+118.5% | $178,449+158.4% | $145,978+215.9% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 11.37% | 30.19%-18.8pp | 27.09%-15.7pp | 550.52%-539.1pp |
| Employer contribution / active EE | $22,467 | $4,569+391.8% | $3,951+468.7% | $4,662+381.9% |
| Participant deferral / active EE | $22,441 | $6,959+222.5% | $6,277+257.5% | $6,690+235.5% |
| Admin fee / account holder | $1,847 | $12,017-84.6% | $10,362-82.2% | $13,400-86.2% |