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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 | $281,407 | $154,228+82.5% | $145,433+93.5% | $137,256+105.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 18.01% | 74.59%-56.6pp | 66.58%-48.6pp | 220.34%-202.3pp |
| Employer contribution / active EE | $5,324 | $4,804+10.8% | $4,554+16.9% | $4,156+28.1% |
| Participant deferral / active EE | $3,438 | $8,216-58.2% | $7,897-56.5% | $6,407-46.3% |
| Admin fee / account holder | $1,529 | $14,344-89.3% | $13,129-88.4% | $12,270-87.5% |