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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 | $256,843 | $223,823+14.8% | $211,142+21.6% | $154,746+66.0% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 21.40% | 50.39%-29.0pp | 46.84%-25.4pp | 172.34%-150.9pp |
| Employer contribution / active EE | $9,331 | $6,787+37.5% | $6,442+44.8% | $4,379+113.1% |
| Participant deferral / active EE | $6,416 | $9,750-34.2% | $9,284-30.9% | $6,730-4.7% |
| Admin fee / account holder | $32,219 | $19,707+63.5% | $19,076+68.9% | $14,365+124.3% |