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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 | $377,663 | $182,442+107.0% | $163,379+131.2% | $138,895+171.9% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 13.62% | 72.74%-59.1pp | 63.41%-49.8pp | 145.39%-131.8pp |
| Employer contribution / active EE | $10,206 | $4,159+145.4% | $3,752+172.0% | $4,194+143.3% |
| Participant deferral / active EE | $11,848 | $6,817+73.8% | $6,282+88.6% | $6,396+85.2% |
| Admin fee / account holder | $2,160 | $10,396-79.2% | $9,818-78.0% | $12,562-82.8% |