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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 | $297,054 | $211,288+40.6% | $178,540+66.4% | $145,884+103.6% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 11.59% | 30.27%-18.7pp | 27.15%-15.6pp | 551.85%-540.3pp |
| Employer contribution / active EE | $5,322 | $4,574+16.4% | $3,953+34.6% | $4,662+14.1% |
| Participant deferral / active EE | $2,588 | $6,967-62.9% | $6,281-58.8% | $6,690-61.3% |
| Admin fee / account holder | $2,754 | $12,105-77.3% | $10,424-73.6% | $13,392-79.4% |