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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 | $363,359 | $185,312+96.1% | $161,489+125.0% | $154,746+134.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 12.79% | 103.84%-91.1pp | 89.72%-76.9pp | 172.34%-159.5pp |
| Employer contribution / active EE | $9,640 | $4,769+102.1% | $4,268+125.9% | $4,379+120.1% |
| Participant deferral / active EE | $5,212 | $6,350-17.9% | $5,630-7.4% | $6,730-22.6% |
| Admin fee / account holder | $2,136 | $18,654-88.6% | $16,006-86.7% | $14,365-85.1% |