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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 | $384,504 | $185,312+107.5% | $161,489+138.1% | $154,746+148.5% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 14.62% | 103.84%-89.2pp | 89.72%-75.1pp | 172.34%-157.7pp |
| Employer contribution / active EE | $2,960 | $4,769-37.9% | $4,268-30.7% | $4,379-32.4% |
| Participant deferral / active EE | $7,070 | $6,350+11.3% | $5,630+25.6% | $6,730+5.0% |
| Admin fee / account holder | $46,200 | $18,654+147.7% | $16,006+188.7% | $14,365+221.6% |