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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 | $174,379+82.9% | $152,093+109.7% | $138,895+129.6% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 17.44% | 74.86%-57.4pp | 66.36%-48.9pp | 145.39%-128.0pp |
| Employer contribution / active EE | $3,804 | $4,652-18.2% | $4,175-8.9% | $4,194-9.3% |
| Participant deferral / active EE | $9,397 | $6,159+52.6% | $5,451+72.4% | $6,396+46.9% |
| Admin fee / account holder | $432 | $16,880-97.4% | $14,497-97.0% | $12,562-96.6% |