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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 | $326,481 | $136,860+138.6% | $120,344+171.3% | $154,746+111.0% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 14.22% | 21.38%-7.2pp | 20.30%-6.1pp | 172.34%-158.1pp |
| Employer contribution / active EE | $5,843 | $3,533+65.4% | $3,020+93.5% | $4,379+33.4% |
| Participant deferral / active EE | $4,376 | $5,793-24.5% | $5,135-14.8% | $6,730-35.0% |
| Admin fee / account holder | $20,000 | $15,393+29.9% | $12,742+57.0% | $14,365+39.2% |