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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 | $311,942 | $155,555+100.5% | $146,866+112.4% | $155,188+101.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 15.03% | 115.41%-100.4pp | 102.85%-87.8pp | 148.84%-133.8pp |
| Employer contribution / active EE | $4,771 | $4,647+2.7% | $4,425+7.8% | $4,248+12.3% |
| Participant deferral / active EE | $16,937 | $8,044+110.5% | $7,759+118.3% | $6,531+159.3% |
| Admin fee / account holder | $37,541 | $14,755+154.4% | $13,620+175.6% | $14,480+159.3% |