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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 | $201,344+90.4% | $184,243+108.0% | $145,877+162.7% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 30.12% | 29.01%+1.1pp | 28.82%+1.3pp | 551.28%-521.2pp |
| Employer contribution / active EE | $6,308 | $7,022-10.2% | $6,427-1.9% | $4,663+35.3% |
| Participant deferral / active EE | $16,901 | $9,807+72.3% | $9,132+85.1% | $6,691+152.6% |
| Admin fee / account holder | $3,357 | $16,382-79.5% | $13,914-75.9% | $13,402-75.0% |