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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 | $278,547 | $97,125+186.8% | $86,233+223.0% | $137,256+102.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 12.22% | 74.19%-62.0pp | 61.39%-49.2pp | 220.34%-208.1pp |
| Employer contribution / active EE | $5,141 | $2,841+80.9% | $2,504+105.3% | $4,156+23.7% |
| Participant deferral / active EE | $9,711 | $5,180+87.5% | $4,559+113.0% | $6,407+51.6% |
| Admin fee / account holder | $684 | $9,725-93.0% | $8,342-91.8% | $12,270-94.4% |