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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 | $277,517 | $228,352+21.5% | $185,827+49.3% | $158,950+74.6% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 31.65% | 40.81%-9.2pp | 35.96%-4.3pp | 302.91%-271.3pp |
| Employer contribution / active EE | $5,574 | $4,967+12.2% | $4,087+36.4% | $4,762+17.1% |
| Participant deferral / active EE | $6,174 | $6,416-3.8% | $5,633+9.6% | $5,983+3.2% |
| Admin fee / account holder | $958 | $11,867-91.9% | $9,502-89.9% | $11,248-91.5% |