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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 | $283,437 | $172,111+64.7% | $150,298+88.6% | $137,256+106.5% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 11.89% | 69.37%-57.5pp | 62.79%-50.9pp | 220.34%-208.4pp |
| Employer contribution / active EE | $4,504 | $4,636-2.8% | $4,154+8.4% | $4,156+8.4% |
| Participant deferral / active EE | $10,967 | $6,166+77.9% | $5,453+101.1% | $6,407+71.2% |
| Admin fee / account holder | $391 | $16,471-97.6% | $14,116-97.2% | $12,270-96.8% |