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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 | $302,887 | $209,336+44.7% | $197,124+53.7% | $137,256+120.7% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 14.56% | 48.09%-33.5pp | 44.34%-29.8pp | 220.34%-205.8pp |
| Employer contribution / active EE | $9,190 | $6,591+39.4% | $6,227+47.6% | $4,156+121.1% |
| Participant deferral / active EE | $11,133 | $9,614+15.8% | $9,135+21.9% | $6,407+73.8% |
| Admin fee / account holder | $6,745 | $17,308-61.0% | $16,298-58.6% | $12,270-45.0% |