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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 | $336,339 | $135,956+147.4% | $123,894+171.5% | $273,972+22.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 5.63% | 56.63%-51.0pp | 47.52%-41.9pp | 41.46%-35.8pp |
| Employer contribution / active EE | $29,425 | $5,170+469.2% | $4,617+537.4% | $4,869+504.4% |
| Participant deferral / active EE | $17,504 | $6,343+176.0% | $5,984+192.5% | $5,287+231.1% |
| Admin fee / account holder | $805 | $9,817-91.8% | $8,357-90.4% | $10,133-92.1% |