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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 | $354,027 | $185,312+91.0% | $161,489+119.2% | $154,746+128.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 19.43% | 103.84%-84.4pp | 89.72%-70.3pp | 172.34%-152.9pp |
| Employer contribution / active EE | $5,883 | $4,769+23.4% | $4,268+37.8% | $4,379+34.3% |
| Participant deferral / active EE | $6,118 | $6,350-3.6% | $5,630+8.7% | $6,730-9.1% |
| Admin fee / account holder | $21,231 | $18,654+13.8% | $16,006+32.6% | $14,365+47.8% |