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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 | $266,754 | $201,344+32.5% | $184,243+44.8% | $145,877+82.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 19.48% | 29.01%-9.5pp | 28.82%-9.3pp | 551.28%-531.8pp |
| Employer contribution / active EE | $5,636 | $7,022-19.7% | $6,427-12.3% | $4,663+20.9% |
| Participant deferral / active EE | $8,859 | $9,807-9.7% | $9,132-3.0% | $6,691+32.4% |
| Admin fee / account holder | $884 | $16,382-94.6% | $13,914-93.6% | $13,402-93.4% |