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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 | $337,805 | $183,627+84.0% | $155,602+117.1% | $145,978+131.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 14.81% | 61.32%-46.5pp | 64.81%-50.0pp | 550.52%-535.7pp |
| Employer contribution / active EE | $2,933 | $5,316-44.8% | $4,675-37.3% | $4,662-37.1% |
| Participant deferral / active EE | $11,068 | $6,466+71.2% | $5,629+96.6% | $6,690+65.5% |
| Admin fee / account holder | $13,886 | $19,327-28.2% | $15,923-12.8% | $13,400+3.6% |