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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 | $286,312 | $174,379+64.2% | $152,093+88.2% | $138,895+106.1% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 12.58% | 74.86%-62.3pp | 66.36%-53.8pp | 145.39%-132.8pp |
| Employer contribution / active EE | $2,739 | $4,652-41.1% | $4,175-34.4% | $4,194-34.7% |
| Participant deferral / active EE | $12,856 | $6,159+108.7% | $5,451+135.8% | $6,396+101.0% |
| Admin fee / account holder | $2,182 | $16,880-87.1% | $14,497-84.9% | $12,562-82.6% |