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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 | $373,642 | $178,174+109.7% | $156,181+139.2% | $137,256+172.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 20.12% | 84.19%-64.1pp | 64.87%-44.8pp | 220.34%-200.2pp |
| Employer contribution / active EE | $9,104 | $4,972+83.1% | $4,294+112.0% | $4,156+119.1% |
| Participant deferral / active EE | $7,689 | $6,888+11.6% | $6,132+25.4% | $6,407+20.0% |
| Admin fee / account holder | $7,161 | $17,404-58.9% | $14,586-50.9% | $12,270-41.6% |