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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 | $256,235 | $282,059-9.2% | $213,469+20.0% | $154,746+65.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 16.82% | 20.90%-4.1pp | 20.58%-3.8pp | 172.34%-155.5pp |
| Employer contribution / active EE | $5,191 | $6,189-16.1% | $4,994+4.0% | $4,379+18.5% |
| Participant deferral / active EE | $14,758 | $8,186+80.3% | $6,841+115.7% | $6,730+119.3% |
| Admin fee / account holder | $5,450 | $37,435-85.4% | $27,141-79.9% | $14,365-62.1% |