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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 | $288,601 | $154,228+87.1% | $145,433+98.4% | $137,256+110.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 17.39% | 74.59%-57.2pp | 66.58%-49.2pp | 220.34%-202.9pp |
| Employer contribution / active EE | $5,032 | $4,804+4.7% | $4,554+10.5% | $4,156+21.1% |
| Participant deferral / active EE | $14,338 | $8,216+74.5% | $7,897+81.5% | $6,407+123.8% |
| Admin fee / account holder | $877 | $14,344-93.9% | $13,129-93.3% | $12,270-92.9% |