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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 | $270,571 | $211,224+28.1% | $178,505+51.6% | $145,897+85.5% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 16.39% | 30.28%-13.9pp | 27.16%-10.8pp | 552.29%-535.9pp |
| Employer contribution / active EE | $4,296 | $4,577-6.1% | $3,955+8.6% | $4,663-7.9% |
| Participant deferral / active EE | $13,254 | $6,966+90.3% | $6,280+111.0% | $6,689+98.1% |
| Admin fee / account holder | $5,350 | $12,109-55.8% | $10,428-48.7% | $13,390-60.0% |