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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 | $275,143 | $185,312+48.5% | $161,489+70.4% | $154,746+77.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 12.62% | 103.84%-91.2pp | 89.72%-77.1pp | 172.34%-159.7pp |
| Employer contribution / active EE | $2,318 | $4,769-51.4% | $4,268-45.7% | $4,379-47.1% |
| Participant deferral / active EE | $8,432 | $6,350+32.8% | $5,630+49.8% | $6,730+25.3% |
| Admin fee / account holder | $9,421 | $18,654-49.5% | $16,006-41.1% | $14,365-34.4% |