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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 | $318,924 | $227,399+40.2% | $189,758+68.1% | $198,609+60.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 17.44% | 61.03%-43.6pp | 52.62%-35.2pp | 202.70%-185.3pp |
| Employer contribution / active EE | $3,804 | $5,526-31.2% | $4,767-20.2% | $5,055-24.8% |
| Participant deferral / active EE | $9,397 | $6,837+37.4% | $5,856+60.5% | $6,977+34.7% |
| Admin fee / account holder | $432 | $25,162-98.3% | $20,388-97.9% | $19,030-97.7% |