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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 | $321,296 | $172,111+86.7% | $150,298+113.8% | $137,256+134.1% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 18.22% | 69.37%-51.1pp | 62.79%-44.6pp | 220.34%-202.1pp |
| Employer contribution / active EE | $8,578 | $4,636+85.0% | $4,154+106.5% | $4,156+106.4% |
| Participant deferral / active EE | $9,155 | $6,166+48.5% | $5,453+67.9% | $6,407+42.9% |
| Admin fee / account holder | $2,305 | $16,471-86.0% | $14,116-83.7% | $12,270-81.2% |