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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 | $307,829 | $178,174+72.8% | $156,181+97.1% | $137,256+124.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 11.10% | 84.19%-73.1pp | 64.87%-53.8pp | 220.34%-209.2pp |
| Employer contribution / active EE | $8,305 | $4,972+67.0% | $4,294+93.4% | $4,156+99.8% |
| Participant deferral / active EE | $6,560 | $6,888-4.8% | $6,132+7.0% | $6,407+2.4% |
| Admin fee / account holder | $6,710 | $17,404-61.4% | $14,586-54.0% | $12,270-45.3% |