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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 | $276,748 | $212,777+30.1% | $173,703+59.3% | $198,609+39.3% |
| Participation rate | 100.0% | 81.1%+18.9pp | 75.9%+24.1pp | 82.4%+17.6pp |
| Annual return | 10.31% | 18.82%-8.5pp | 17.46%-7.1pp | 202.70%-192.4pp |
| Employer contribution / active EE | $6,191 | $5,214+18.7% | $4,288+44.4% | $5,055+22.5% |
| Participant deferral / active EE | $4,964 | $5,697-12.9% | $4,854+2.3% | $6,977-28.9% |
| Admin fee / account holder | $821 | $19,536-95.8% | $15,562-94.7% | $19,030-95.7% |