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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 | $253,444 | $185,312+36.8% | $161,489+56.9% | $154,746+63.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 19.64% | 103.84%-84.2pp | 89.72%-70.1pp | 172.34%-152.7pp |
| Employer contribution / active EE | $2,689 | $4,769-43.6% | $4,268-37.0% | $4,379-38.6% |
| Participant deferral / active EE | $8,539 | $6,350+34.5% | $5,630+51.7% | $6,730+26.9% |
| Admin fee / account holder | $8,792 | $18,654-52.9% | $16,006-45.1% | $14,365-38.8% |