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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 | $443,407 | $135,956+226.1% | $123,894+257.9% | $273,972+61.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 13.77% | 56.63%-42.9pp | 47.52%-33.7pp | 41.46%-27.7pp |
| Employer contribution / active EE | $3,890 | $5,170-24.7% | $4,617-15.7% | $4,869-20.1% |
| Participant deferral / active EE | $4,744 | $6,343-25.2% | $5,984-20.7% | $5,287-10.3% |
| Admin fee / account holder | $7,295 | $9,817-25.7% | $8,357-12.7% | $10,133-28.0% |