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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 | $333,900 | $185,312+80.2% | $161,489+106.8% | $154,746+115.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 18.34% | 103.84%-85.5pp | 89.72%-71.4pp | 172.34%-154.0pp |
| Employer contribution / active EE | $4,591 | $4,769-3.7% | $4,268+7.6% | $4,379+4.8% |
| Participant deferral / active EE | $3,483 | $6,350-45.2% | $5,630-38.1% | $6,730-48.3% |
| Admin fee / account holder | $22,890 | $18,654+22.7% | $16,006+43.0% | $14,365+59.3% |