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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 | $323,151 | $135,956+137.7% | $123,894+160.8% | $273,972+18.0% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 8.06% | 56.63%-48.6pp | 47.52%-39.5pp | 41.46%-33.4pp |
| Employer contribution / active EE | $5,432 | $5,170+5.1% | $4,617+17.7% | $4,869+11.6% |
| Participant deferral / active EE | $7,753 | $6,343+22.2% | $5,984+29.6% | $5,287+46.6% |
| Admin fee / account holder | $1,627 | $9,817-83.4% | $8,357-80.5% | $10,133-83.9% |