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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 | $336,776 | $181,062+86.0% | $158,223+112.8% | $155,188+117.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 12.90% | 57.39%-44.5pp | 52.09%-39.2pp | 148.84%-135.9pp |
| Employer contribution / active EE | $974 | $4,565-78.7% | $4,109-76.3% | $4,248-77.1% |
| Participant deferral / active EE | $6,425 | $6,134+4.7% | $5,467+17.5% | $6,531-1.6% |
| Admin fee / account holder | $3,007 | $18,825-84.0% | $16,047-81.3% | $14,480-79.2% |