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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 | $302,113 | $183,539+64.6% | $155,556+94.2% | $145,897+107.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 10.61% | 61.31%-50.7pp | 64.84%-54.2pp | 552.29%-541.7pp |
| Employer contribution / active EE | $3,543 | $5,315-33.3% | $4,675-24.2% | $4,663-24.0% |
| Participant deferral / active EE | $18,794 | $6,467+190.6% | $5,631+233.8% | $6,689+181.0% |
| Admin fee / account holder | $2,703 | $19,275-86.0% | $15,885-83.0% | $13,390-79.8% |