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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 | $378,347 | $135,956+178.3% | $123,894+205.4% | $273,972+38.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 6.84% | 56.63%-49.8pp | 47.52%-40.7pp | 41.46%-34.6pp |
| Employer contribution / active EE | $2,117 | $5,170-59.1% | $4,617-54.2% | $4,869-56.5% |
| Participant deferral / active EE | $15,894 | $6,343+150.6% | $5,984+165.6% | $5,287+200.6% |
| Admin fee / account holder | $47,000 | $9,817+378.7% | $8,357+462.4% | $10,133+363.8% |