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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 | $350,175 | $185,312+89.0% | $161,489+116.8% | $154,746+126.3% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 15.78% | 103.84%-88.1pp | 89.72%-73.9pp | 172.34%-156.6pp |
| Employer contribution / active EE | $2,900 | $4,769-39.2% | $4,268-32.0% | $4,379-33.8% |
| Participant deferral / active EE | $5,633 | $6,350-11.3% | $5,630+0.1% | $6,730-16.3% |
| Admin fee / account holder | $1,824 | $18,654-90.2% | $16,006-88.6% | $14,365-87.3% |