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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 | $262,395 | $154,228+70.1% | $145,433+80.4% | $137,256+91.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 16.93% | 74.59%-57.7pp | 66.58%-49.6pp | 220.34%-203.4pp |
| Employer contribution / active EE | $5,291 | $4,804+10.1% | $4,554+16.2% | $4,156+27.3% |
| Participant deferral / active EE | $6,236 | $8,216-24.1% | $7,897-21.0% | $6,407-2.7% |
| Admin fee / account holder | $8,752 | $14,344-39.0% | $13,129-33.3% | $12,270-28.7% |