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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 | $288,800 | $228,395+26.4% | $185,861+55.4% | $158,982+81.7% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 18.22% | 40.82%-22.6pp | 35.96%-17.7pp | 302.99%-284.8pp |
| Employer contribution / active EE | $4,029 | $4,968-18.9% | $4,088-1.4% | $4,763-15.4% |
| Participant deferral / active EE | $11,819 | $6,417+84.2% | $5,634+109.8% | $5,983+97.5% |
| Admin fee / account holder | $2,284 | $11,869-80.8% | $9,503-76.0% | $11,252-79.7% |