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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 | $350,948 | $209,336+67.6% | $197,124+78.0% | $137,256+155.7% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 14.76% | 48.09%-33.3pp | 44.34%-29.6pp | 220.34%-205.6pp |
| Employer contribution / active EE | $2,230 | $6,591-66.2% | $6,227-64.2% | $4,156-46.3% |
| Participant deferral / active EE | $9,629 | $9,614+0.2% | $9,135+5.4% | $6,407+50.3% |
| Admin fee / account holder | $18,353 | $17,308+6.0% | $16,298+12.6% | $12,270+49.6% |