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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 | $401,429 | $223,823+79.4% | $211,142+90.1% | $154,746+159.4% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 12.67% | 50.39%-37.7pp | 46.84%-34.2pp | 172.34%-159.7pp |
| Employer contribution / active EE | $3,932 | $6,787-42.1% | $6,442-39.0% | $4,379-10.2% |
| Participant deferral / active EE | $25,300 | $9,750+159.5% | $9,284+172.5% | $6,730+275.9% |
| Admin fee / account holder | $2,428 | $19,707-87.7% | $19,076-87.3% | $14,365-83.1% |