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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 | $316,763 | $157,304+101.4% | $141,197+124.3% | $152,909+107.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 18.35% | 64.34%-46.0pp | 71.41%-53.1pp | 345.46%-327.1pp |
| Employer contribution / active EE | $6,626 | $5,263+25.9% | $4,736+39.9% | $4,764+39.1% |
| Participant deferral / active EE | $9,743 | $7,111+37.0% | $6,710+45.2% | $5,851+66.5% |
| Admin fee / account holder | $658 | $12,126-94.6% | $10,265-93.6% | $11,601-94.3% |