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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 | $265,353 | $209,336+26.8% | $197,124+34.6% | $137,256+93.3% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 16.47% | 48.09%-31.6pp | 44.34%-27.9pp | 220.34%-203.9pp |
| Employer contribution / active EE | $7,224 | $6,591+9.6% | $6,227+16.0% | $4,156+73.8% |
| Participant deferral / active EE | $7,167 | $9,614-25.5% | $9,135-21.5% | $6,407+11.9% |
| Admin fee / account holder | $3,514 | $17,308-79.7% | $16,298-78.4% | $12,270-71.4% |