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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 | $332,087 | $178,174+86.4% | $156,181+112.6% | $137,256+141.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 16.06% | 84.19%-68.1pp | 64.87%-48.8pp | 220.34%-204.3pp |
| Employer contribution / active EE | $9,361 | $4,972+88.3% | $4,294+118.0% | $4,156+125.2% |
| Participant deferral / active EE | $13,391 | $6,888+94.4% | $6,132+118.4% | $6,407+109.0% |
| Admin fee / account holder | $7,065 | $17,404-59.4% | $14,586-51.6% | $12,270-42.4% |