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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 | $183,592+59.3% | $155,567+88.0% | $145,959+100.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 15.60% | 61.24%-45.6pp | 64.74%-49.1pp | 561.95%-546.4pp |
| Employer contribution / active EE | $4,188 | $5,315-21.2% | $4,674-10.4% | $4,661-10.1% |
| Participant deferral / active EE | $5,663 | $6,464-12.4% | $5,628+0.6% | $6,689-15.3% |
| Admin fee / account holder | $2,649 | $19,318-86.3% | $15,916-83.4% | $13,398-80.2% |