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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 | $256,273 | $162,136+58.1% | $152,301+68.3% | $154,746+65.6% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 14.93% | 91.02%-76.1pp | 80.50%-65.6pp | 172.34%-157.4pp |
| Employer contribution / active EE | $4,538 | $4,890-7.2% | $4,624-1.9% | $4,379+3.6% |
| Participant deferral / active EE | $19,600 | $8,341+135.0% | $8,004+144.9% | $6,730+191.2% |
| Admin fee / account holder | $2,283 | $15,759-85.5% | $14,398-84.1% | $14,365-84.1% |