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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 | $297,167 | $117,846+152.2% | $102,434+190.1% | $145,884+103.7% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 8.63% | 31.90%-23.3pp | 29.46%-20.8pp | 551.85%-543.2pp |
| Employer contribution / active EE | $3,546 | $3,615-1.9% | $3,023+17.3% | $4,662-23.9% |
| Participant deferral / active EE | $13,182 | $5,733+129.9% | $5,055+160.8% | $6,690+97.0% |
| Admin fee / account holder | $5,911 | $13,356-55.7% | $9,462-37.5% | $13,392-55.9% |