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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 | $291,973 | $165,361+76.6% | $149,715+95.0% | $158,950+83.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.98% | 348.24%-332.3pp | 276.66%-260.7pp | 302.91%-286.9pp |
| Employer contribution / active EE | $2,776 | $5,103-45.6% | $4,645-40.2% | $4,762-41.7% |
| Participant deferral / active EE | $8,101 | $7,182+12.8% | $6,842+18.4% | $5,983+35.4% |
| Admin fee / account holder | $41,070 | $10,808+280.0% | $9,310+341.2% | $11,248+265.1% |