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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 | $362,583 | $174,379+107.9% | $152,093+138.4% | $138,895+161.0% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 16.61% | 74.86%-58.2pp | 66.36%-49.7pp | 145.39%-128.8pp |
| Employer contribution / active EE | $2,668 | $4,652-42.6% | $4,175-36.1% | $4,194-36.4% |
| Participant deferral / active EE | $6,116 | $6,159-0.7% | $5,451+12.2% | $6,396-4.4% |
| Admin fee / account holder | $1,658 | $16,880-90.2% | $14,497-88.6% | $12,562-86.8% |