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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 | $396,937 | $127,790+210.6% | $106,554+272.5% | $167,553+136.9% |
| Participation rate | 92.9% | 78.3%+14.6pp | 76.1%+16.7pp | 82.1%+10.7pp |
| Annual return | 10.94% | 33.88%-22.9pp | 26.80%-15.9pp | 478.89%-468.0pp |
| Employer contribution / active EE | $3,301 | $3,427-3.7% | $2,819+17.1% | $4,840-31.8% |
| Participant deferral / active EE | $4,868 | $5,088-4.3% | $4,398+10.7% | $6,343-23.2% |
| Admin fee / account holder | $56,028 | $11,231+398.9% | $7,408+656.3% | $12,316+354.9% |