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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 | $255,854 | $174,379+46.7% | $152,093+68.2% | $138,895+84.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 13.03% | 74.86%-61.8pp | 66.36%-53.3pp | 145.39%-132.4pp |
| Employer contribution / active EE | $19,482 | $4,652+318.8% | $4,175+366.7% | $4,194+364.5% |
| Participant deferral / active EE | $7,904 | $6,159+28.3% | $5,451+45.0% | $6,396+23.6% |
| Admin fee / account holder | $2,571 | $16,880-84.8% | $14,497-82.3% | $12,562-79.5% |