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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 | $289,619 | $155,555+86.2% | $146,866+97.2% | $155,188+86.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 14.26% | 115.41%-101.1pp | 102.85%-88.6pp | 148.84%-134.6pp |
| Employer contribution / active EE | $1,646 | $4,647-64.6% | $4,425-62.8% | $4,248-61.2% |
| Participant deferral / active EE | $8,765 | $8,044+9.0% | $7,759+13.0% | $6,531+34.2% |
| Admin fee / account holder | $60,837 | $14,755+312.3% | $13,620+346.7% | $14,480+320.1% |