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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 | $383,278 | $201,370+90.3% | $184,256+108.0% | $145,897+162.7% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 30.12% | 29.05%+1.1pp | 28.85%+1.3pp | 552.29%-522.2pp |
| Employer contribution / active EE | $6,308 | $7,024-10.2% | $6,427-1.9% | $4,663+35.3% |
| Participant deferral / active EE | $16,901 | $9,808+72.3% | $9,133+85.0% | $6,689+152.7% |
| Admin fee / account holder | $3,357 | $16,364-79.5% | $13,899-75.8% | $13,390-74.9% |