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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 | $283,618 | $183,516+54.5% | $155,534+82.4% | $145,884+94.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 14.17% | 61.43%-47.3pp | 64.92%-50.7pp | 551.85%-537.7pp |
| Employer contribution / active EE | $4,905 | $5,315-7.7% | $4,675+4.9% | $4,662+5.2% |
| Participant deferral / active EE | $7,824 | $6,467+21.0% | $5,630+39.0% | $6,690+17.0% |
| Admin fee / account holder | $2,742 | $19,293-85.8% | $15,900-82.8% | $13,392-79.5% |