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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 | $293,716 | $90,486+224.6% | $78,676+273.3% | $273,972+7.2% |
| Participation rate | 100.0% | 76.5%+23.5pp | 73.6%+26.4pp | 83.0%+17.0pp |
| Annual return | 8.29% | 75.62%-67.3pp | 62.19%-53.9pp | 41.46%-33.2pp |
| Employer contribution / active EE | $19,659 | $3,175+519.2% | $2,850+589.8% | $4,869+303.8% |
| Participant deferral / active EE | $10,417 | $3,901+167.0% | $3,517+196.2% | $5,287+97.0% |
| Admin fee / account holder | $9,689 | $5,263+84.1% | $4,510+114.8% | $10,133-4.4% |