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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 | $378,772 | $155,555+143.5% | $146,866+157.9% | $155,188+144.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 15.20% | 115.41%-100.2pp | 102.85%-87.7pp | 148.84%-133.6pp |
| Employer contribution / active EE | $3,335 | $4,647-28.2% | $4,425-24.6% | $4,248-21.5% |
| Participant deferral / active EE | $12,211 | $8,044+51.8% | $7,759+57.4% | $6,531+87.0% |
| Admin fee / account holder | $3,638 | $14,755-75.3% | $13,620-73.3% | $14,480-74.9% |