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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 | $403,841 | $85,766+370.9% | $136,295+196.3% | $70,131+475.8% |
| Participation rate | 76.7% | 74.2%+2.5pp | 81.9%-5.3pp | 69.5%+7.1pp |
| Annual return | 19.89% | 31.45%-11.6pp | 5155.97%-5136.1pp | 73.14%-53.3pp |
| Employer contribution / active EE | $821 | $2,966-72.3% | $4,695-82.5% | $2,342-64.9% |
| Participant deferral / active EE | $6,174 | $5,051+22.2% | $6,247-1.2% | $3,332+85.3% |
| Admin fee / account holder | $19,400 | $5,420+257.9% | $9,243+109.9% | $4,645+317.6% |