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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 | $252,283 | $211,224+19.4% | $178,505+41.3% | $145,897+72.9% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 8.95% | 30.28%-21.3pp | 27.16%-18.2pp | 552.29%-543.3pp |
| Employer contribution / active EE | $5,211 | $4,577+13.9% | $3,955+31.8% | $4,663+11.8% |
| Participant deferral / active EE | $12,083 | $6,966+73.5% | $6,280+92.4% | $6,689+80.6% |
| Admin fee / account holder | $1,817 | $12,109-85.0% | $10,428-82.6% | $13,390-86.4% |