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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 | $347,707 | $162,136+114.5% | $152,301+128.3% | $154,746+124.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 12.93% | 91.02%-78.1pp | 80.50%-67.6pp | 172.34%-159.4pp |
| Employer contribution / active EE | $4,600 | $4,890-5.9% | $4,624-0.5% | $4,379+5.0% |
| Participant deferral / active EE | $18,599 | $8,341+123.0% | $8,004+132.4% | $6,730+176.3% |
| Admin fee / account holder | $2,107 | $15,759-86.6% | $14,398-85.4% | $14,365-85.3% |