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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 | $380,240 | $181,062+110.0% | $158,223+140.3% | $155,188+145.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 15.21% | 57.39%-42.2pp | 52.09%-36.9pp | 148.84%-133.6pp |
| Employer contribution / active EE | $7,693 | $4,565+68.5% | $4,109+87.2% | $4,248+81.1% |
| Participant deferral / active EE | $6,624 | $6,134+8.0% | $5,467+21.2% | $6,531+1.4% |
| Admin fee / account holder | $9,649 | $18,825-48.7% | $16,047-39.9% | $14,480-33.4% |