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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 | $322,765 | $135,956+137.4% | $123,894+160.5% | $273,972+17.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 4.30% | 56.63%-52.3pp | 47.52%-43.2pp | 41.46%-37.2pp |
| Employer contribution / active EE | $5,376 | $5,170+4.0% | $4,617+16.4% | $4,869+10.4% |
| Participant deferral / active EE | $13,957 | $6,343+120.0% | $5,984+133.2% | $5,287+164.0% |
| Admin fee / account holder | $1,102 | $9,817-88.8% | $8,357-86.8% | $10,133-89.1% |