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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 | $366,794 | $201,264+82.2% | $184,185+99.1% | $145,978+151.3% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 10.13% | 29.00%-18.9pp | 28.81%-18.7pp | 550.52%-540.4pp |
| Employer contribution / active EE | $2,665 | $7,021-62.0% | $6,426-58.5% | $4,662-42.8% |
| Participant deferral / active EE | $5,798 | $9,806-40.9% | $9,132-36.5% | $6,690-13.3% |
| Admin fee / account holder | $6,699 | $16,376-59.1% | $13,909-51.8% | $13,400-50.0% |