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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 | $261,211 | $181,062+44.3% | $158,223+65.1% | $155,188+68.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 18.99% | 57.39%-38.4pp | 52.09%-33.1pp | 148.84%-129.8pp |
| Employer contribution / active EE | $3,436 | $4,565-24.7% | $4,109-16.4% | $4,248-19.1% |
| Participant deferral / active EE | $4,510 | $6,134-26.5% | $5,467-17.5% | $6,531-30.9% |
| Admin fee / account holder | $794 | $18,825-95.8% | $16,047-95.1% | $14,480-94.5% |