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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 | $305,494 | $135,956+124.7% | $123,894+146.6% | $273,972+11.5% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 11.83% | 56.63%-44.8pp | 47.52%-35.7pp | 41.46%-29.6pp |
| Employer contribution / active EE | $6,105 | $5,170+18.1% | $4,617+32.2% | $4,869+25.4% |
| Participant deferral / active EE | $11,840 | $6,343+86.7% | $5,984+97.9% | $5,287+123.9% |
| Admin fee / account holder | $5,618 | $9,817-42.8% | $8,357-32.8% | $10,133-44.6% |