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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 | $389,684 | $185,312+110.3% | $161,489+141.3% | $154,746+151.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 10.83% | 103.84%-93.0pp | 89.72%-78.9pp | 172.34%-161.5pp |
| Employer contribution / active EE | $10,757 | $4,769+125.6% | $4,268+152.0% | $4,379+145.6% |
| Participant deferral / active EE | $6,410 | $6,350+1.0% | $5,630+13.9% | $6,730-4.8% |
| Admin fee / account holder | $1,943 | $18,654-89.6% | $16,006-87.9% | $14,365-86.5% |