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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 | $401,585 | $154,228+160.4% | $145,433+176.1% | $137,256+192.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 14.25% | 74.59%-60.3pp | 66.58%-52.3pp | 220.34%-206.1pp |
| Employer contribution / active EE | $1,286 | $4,804-73.2% | $4,554-71.8% | $4,156-69.1% |
| Participant deferral / active EE | $15,272 | $8,216+85.9% | $7,897+93.4% | $6,407+138.4% |
| Admin fee / account holder | $9,981 | $14,344-30.4% | $13,129-24.0% | $12,270-18.7% |