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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 | $329,283 | $192,829+70.8% | $142,516+131.0% | $139,466+136.1% |
| Participation rate | 100.0% | 81.4%+18.6pp | 76.8%+23.2pp | 80.3%+19.7pp |
| Annual return | 10.92% | 17.99%-7.1pp | 19.99%-9.1pp | 373.66%-362.7pp |
| Employer contribution / active EE | $4,211 | $5,808-27.5% | $4,849-13.1% | $4,754-11.4% |
| Participant deferral / active EE | $8,464 | $7,200+17.6% | $6,280+34.8% | $6,712+26.1% |
| Admin fee / account holder | $6,020 | $15,120-60.2% | $10,008-39.9% | $11,409-47.2% |