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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 | $320,548 | $211,105+51.8% | $178,449+79.6% | $145,978+119.6% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.30% | 30.19%-17.9pp | 27.09%-14.8pp | 550.52%-538.2pp |
| Employer contribution / active EE | $2,167 | $4,569-52.6% | $3,951-45.2% | $4,662-53.5% |
| Participant deferral / active EE | $8,800 | $6,959+26.5% | $6,277+40.2% | $6,690+31.5% |
| Admin fee / account holder | $3,219 | $12,017-73.2% | $10,362-68.9% | $13,400-76.0% |