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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 | $293,746 | $165,399+77.6% | $149,745+96.2% | $158,982+84.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 19.83% | 348.34%-328.5pp | 276.72%-256.9pp | 302.99%-283.2pp |
| Employer contribution / active EE | $4,150 | $5,105-18.7% | $4,646-10.7% | $4,763-12.9% |
| Participant deferral / active EE | $14,048 | $7,183+95.6% | $6,843+105.3% | $5,983+134.8% |
| Admin fee / account holder | $521 | $10,811-95.2% | $9,312-94.4% | $11,252-95.4% |