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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 | $223,823+42.1% | $211,142+50.7% | $154,746+105.6% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 14.94% | 50.39%-35.5pp | 46.84%-31.9pp | 172.34%-157.4pp |
| Employer contribution / active EE | $5,367 | $6,787-20.9% | $6,442-16.7% | $4,379+22.6% |
| Participant deferral / active EE | $7,509 | $9,750-23.0% | $9,284-19.1% | $6,730+11.6% |
| Admin fee / account holder | $1,309 | $19,707-93.4% | $19,076-93.1% | $14,365-90.9% |