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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 | $337,612 | $223,823+50.8% | $211,142+59.9% | $154,746+118.2% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 16.07% | 50.39%-34.3pp | 46.84%-30.8pp | 172.34%-156.3pp |
| Employer contribution / active EE | $3,600 | $6,787-47.0% | $6,442-44.1% | $4,379-17.8% |
| Participant deferral / active EE | $5,000 | $9,750-48.7% | $9,284-46.1% | $6,730-25.7% |
| Admin fee / account holder | $3,429 | $19,707-82.6% | $19,076-82.0% | $14,365-76.1% |