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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 | $295,514 | $154,228+91.6% | $145,433+103.2% | $137,256+115.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 35.66% | 74.59%-38.9pp | 66.58%-30.9pp | 220.34%-184.7pp |
| Employer contribution / active EE | $6,014 | $4,804+25.2% | $4,554+32.0% | $4,156+44.7% |
| Participant deferral / active EE | $9,637 | $8,216+17.3% | $7,897+22.0% | $6,407+50.4% |
| Admin fee / account holder | $1,374 | $14,344-90.4% | $13,129-89.5% | $12,270-88.8% |