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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 | $211,288+28.1% | $178,540+51.5% | $145,884+85.5% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 16.39% | 30.27%-13.9pp | 27.15%-10.8pp | 551.85%-535.5pp |
| Employer contribution / active EE | $4,296 | $4,574-6.1% | $3,953+8.7% | $4,662-7.9% |
| Participant deferral / active EE | $13,254 | $6,967+90.3% | $6,281+111.0% | $6,690+98.1% |
| Admin fee / account holder | $5,350 | $12,105-55.8% | $10,424-48.7% | $13,392-60.0% |