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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 | $426,877 | $174,379+144.8% | $152,093+180.7% | $138,895+207.3% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 16.73% | 74.86%-58.1pp | 66.36%-49.6pp | 145.39%-128.7pp |
| Employer contribution / active EE | $4,358 | $4,652-6.3% | $4,175+4.4% | $4,194+3.9% |
| Participant deferral / active EE | $3,425 | $6,159-44.4% | $5,451-37.2% | $6,396-46.5% |
| Admin fee / account holder | $4,245 | $16,880-74.9% | $14,497-70.7% | $12,562-66.2% |