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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 | $211,239+19.4% | $178,528+41.3% | $145,877+72.9% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 8.95% | 30.22%-21.3pp | 27.11%-18.2pp | 551.28%-542.3pp |
| Employer contribution / active EE | $5,211 | $4,570+14.0% | $3,950+31.9% | $4,663+11.8% |
| Participant deferral / active EE | $12,083 | $6,963+73.5% | $6,278+92.5% | $6,691+80.6% |
| Admin fee / account holder | $1,817 | $12,095-85.0% | $10,419-82.6% | $13,402-86.4% |