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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 | $387,308 | $162,136+138.9% | $152,301+154.3% | $154,746+150.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 18.12% | 91.02%-72.9pp | 80.50%-62.4pp | 172.34%-154.2pp |
| Employer contribution / active EE | $4,696 | $4,890-4.0% | $4,624+1.6% | $4,379+7.2% |
| Participant deferral / active EE | $16,903 | $8,341+102.7% | $8,004+111.2% | $6,730+151.1% |
| Admin fee / account holder | $1,985 | $15,759-87.4% | $14,398-86.2% | $14,365-86.2% |