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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 | $323,063 | $111,535+189.7% | $105,223+207.0% | $137,256+135.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.26% | 237.85%-220.6pp | 180.65%-163.4pp | 220.34%-203.1pp |
| Employer contribution / active EE | $4,783 | $3,939+21.4% | $3,689+29.7% | $4,156+15.1% |
| Participant deferral / active EE | $8,515 | $5,500+54.8% | $5,072+67.9% | $6,407+32.9% |
| Admin fee / account holder | $722 | $9,721-92.6% | $8,859-91.9% | $12,270-94.1% |