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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 | $409,938 | $201,372+103.6% | $184,260+122.5% | $145,884+181.0% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 16.18% | 29.04%-12.9pp | 28.84%-12.7pp | 551.85%-535.7pp |
| Employer contribution / active EE | $5,733 | $7,024-18.4% | $6,427-10.8% | $4,662+23.0% |
| Participant deferral / active EE | $15,775 | $9,808+60.8% | $9,133+72.7% | $6,690+135.8% |
| Admin fee / account holder | $7,783 | $16,362-52.4% | $13,898-44.0% | $13,392-41.9% |