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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 | $321,045 | $181,062+77.3% | $158,223+102.9% | $155,188+106.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 14.84% | 57.39%-42.5pp | 52.09%-37.2pp | 148.84%-134.0pp |
| Employer contribution / active EE | $6,979 | $4,565+52.9% | $4,109+69.9% | $4,248+64.3% |
| Participant deferral / active EE | $8,345 | $6,134+36.0% | $5,467+52.7% | $6,531+27.8% |
| Admin fee / account holder | $1,394 | $18,825-92.6% | $16,047-91.3% | $14,480-90.4% |