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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 | $251,418 | $156,398+60.8% | $147,318+70.7% | $138,895+81.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 15.67% | 78.75%-63.1pp | 70.43%-54.8pp | 145.39%-129.7pp |
| Employer contribution / active EE | $3,896 | $4,853-19.7% | $4,593-15.2% | $4,194-7.1% |
| Participant deferral / active EE | $16,343 | $8,237+98.4% | $7,906+106.7% | $6,396+155.5% |
| Admin fee / account holder | $11,500 | $14,976-23.2% | $13,708-16.1% | $12,562-8.5% |