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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 | $393,141 | $172,111+128.4% | $150,298+161.6% | $137,256+186.4% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 14.59% | 69.37%-54.8pp | 62.79%-48.2pp | 220.34%-205.8pp |
| Employer contribution / active EE | $6,232 | $4,636+34.4% | $4,154+50.0% | $4,156+49.9% |
| Participant deferral / active EE | $10,368 | $6,166+68.2% | $5,453+90.1% | $6,407+61.8% |
| Admin fee / account holder | $11,360 | $16,471-31.0% | $14,116-19.5% | $12,270-7.4% |