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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 | $281,079 | $223,823+25.6% | $211,142+33.1% | $154,746+81.6% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 19.58% | 50.39%-30.8pp | 46.84%-27.3pp | 172.34%-152.8pp |
| Employer contribution / active EE | $2,709 | $6,787-60.1% | $6,442-57.9% | $4,379-38.1% |
| Participant deferral / active EE | $5,714 | $9,750-41.4% | $9,284-38.4% | $6,730-15.1% |
| Admin fee / account holder | $8,483 | $19,707-57.0% | $19,076-55.5% | $14,365-41.0% |