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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 | $368,552 | $196,972+87.1% | $182,262+102.2% | $198,609+85.6% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 13.49% | 158.27%-144.8pp | 140.60%-127.1pp | 202.70%-189.2pp |
| Employer contribution / active EE | $4,499 | $5,364-16.1% | $5,046-10.8% | $5,055-11.0% |
| Participant deferral / active EE | $13,507 | $8,643+56.3% | $8,276+63.2% | $6,977+93.6% |
| Admin fee / account holder | $3,863 | $18,429-79.0% | $16,712-76.9% | $19,030-79.7% |