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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 | $292,531 | $183,539+59.4% | $155,556+88.1% | $145,897+100.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 15.60% | 61.31%-45.7pp | 64.84%-49.2pp | 552.29%-536.7pp |
| Employer contribution / active EE | $4,188 | $5,315-21.2% | $4,675-10.4% | $4,663-10.2% |
| Participant deferral / active EE | $5,663 | $6,467-12.4% | $5,631+0.6% | $6,689-15.3% |
| Admin fee / account holder | $2,649 | $19,275-86.3% | $15,885-83.3% | $13,390-80.2% |