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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 | $318,322 | $182,442+74.5% | $163,379+94.8% | $138,895+129.2% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 14.53% | 72.74%-58.2pp | 63.41%-48.9pp | 145.39%-130.9pp |
| Employer contribution / active EE | $5,414 | $4,159+30.2% | $3,752+44.3% | $4,194+29.1% |
| Participant deferral / active EE | $2,525 | $6,817-63.0% | $6,282-59.8% | $6,396-60.5% |
| Admin fee / account holder | $32,934 | $10,396+216.8% | $9,818+235.4% | $12,562+162.2% |