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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 | $318,142 | $209,336+52.0% | $197,124+61.4% | $137,256+131.8% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 14.94% | 48.09%-33.1pp | 44.34%-29.4pp | 220.34%-205.4pp |
| Employer contribution / active EE | $5,367 | $6,591-18.6% | $6,227-13.8% | $4,156+29.1% |
| Participant deferral / active EE | $7,509 | $9,614-21.9% | $9,135-17.8% | $6,407+17.2% |
| Admin fee / account holder | $1,309 | $17,308-92.4% | $16,298-92.0% | $12,270-89.3% |