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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 | $285,462 | $148,629+92.1% | $135,982+109.9% | $139,487+104.7% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 17.70% | 79.33%-61.6pp | 68.32%-50.6pp | 373.84%-356.1pp |
| Employer contribution / active EE | $2,652 | $5,247-49.5% | $4,859-45.4% | $4,755-44.2% |
| Participant deferral / active EE | $13,075 | $8,102+61.4% | $7,760+68.5% | $6,713+94.8% |
| Admin fee / account holder | $9,094 | $12,406-26.7% | $10,767-15.5% | $11,407-20.3% |