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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 | $376,526 | $162,136+132.2% | $152,301+147.2% | $154,746+143.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 19.59% | 91.02%-71.4pp | 80.50%-60.9pp | 172.34%-152.8pp |
| Employer contribution / active EE | $3,344 | $4,890-31.6% | $4,624-27.7% | $4,379-23.6% |
| Participant deferral / active EE | $11,428 | $8,341+37.0% | $8,004+42.8% | $6,730+69.8% |
| Admin fee / account holder | $2,185 | $15,759-86.1% | $14,398-84.8% | $14,365-84.8% |