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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 | $254,581 | $225,673+12.8% | $203,872+24.9% | $155,188+64.0% |
| Participation rate | 100.0% | 80.3%+19.7pp | 77.8%+22.2pp | 80.8%+19.2pp |
| Annual return | 14.09% | 95.91%-81.8pp | 85.11%-71.0pp | 148.84%-134.8pp |
| Employer contribution / active EE | $4,147 | $4,099+1.2% | $3,757+10.4% | $4,248-2.4% |
| Participant deferral / active EE | $9,190 | $6,893+33.3% | $6,388+43.9% | $6,531+40.7% |
| Admin fee / account holder | $20,123 | $12,327+63.2% | $11,730+71.5% | $14,480+39.0% |