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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 | $335,432 | $180,028+86.3% | $138,135+142.8% | $158,982+111.0% |
| Participation rate | 100.0% | 82.2%+17.8pp | 78.7%+21.3pp | 82.0%+18.0pp |
| Annual return | 12.11% | 21.68%-9.6pp | 20.51%-8.4pp | 302.99%-290.9pp |
| Employer contribution / active EE | $7,265 | $7,470-2.7% | $5,587+30.0% | $4,763+52.5% |
| Participant deferral / active EE | $6,918 | $7,717-10.4% | $6,431+7.6% | $5,983+15.6% |
| Admin fee / account holder | $3,125 | $17,912-82.6% | $11,856-73.6% | $11,252-72.2% |