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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 | $336,002 | $154,228+117.9% | $145,433+131.0% | $137,256+144.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 15.65% | 74.59%-58.9pp | 66.58%-50.9pp | 220.34%-204.7pp |
| Employer contribution / active EE | $4,893 | $4,804+1.9% | $4,554+7.4% | $4,156+17.7% |
| Participant deferral / active EE | $16,234 | $8,216+97.6% | $7,897+105.6% | $6,407+153.4% |
| Admin fee / account holder | $7,436 | $14,344-48.2% | $13,129-43.4% | $12,270-39.4% |