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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 | $464,914 | $289,211+60.8% | $260,467+78.5% | $198,609+134.1% |
| Participation rate | 100.0% | 83.1%+16.9pp | 80.5%+19.5pp | 82.4%+17.6pp |
| Annual return | 25.81% | 112.90%-87.1pp | 100.60%-74.8pp | 202.70%-176.9pp |
| Employer contribution / active EE | $984 | $4,663-78.9% | $4,239-76.8% | $5,055-80.5% |
| Participant deferral / active EE | $7,971 | $6,812+17.0% | $6,319+26.1% | $6,977+14.3% |
| Admin fee / account holder | $3,469 | $16,236-78.6% | $15,461-77.6% | $19,030-81.8% |