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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 | $294,763 | $156,398+88.5% | $147,318+100.1% | $138,895+112.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 16.86% | 78.75%-61.9pp | 70.43%-53.6pp | 145.39%-128.5pp |
| Employer contribution / active EE | $6,689 | $4,853+37.8% | $4,593+45.6% | $4,194+59.5% |
| Participant deferral / active EE | $10,319 | $8,237+25.3% | $7,906+30.5% | $6,396+61.3% |
| Admin fee / account holder | $1,049 | $14,976-93.0% | $13,708-92.3% | $12,562-91.7% |