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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 | $264,462 | $181,062+46.1% | $158,223+67.1% | $155,188+70.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 17.83% | 57.39%-39.6pp | 52.09%-34.3pp | 148.84%-131.0pp |
| Employer contribution / active EE | $16,742 | $4,565+266.8% | $4,109+307.5% | $4,248+294.1% |
| Participant deferral / active EE | $9,236 | $6,134+50.6% | $5,467+68.9% | $6,531+41.4% |
| Admin fee / account holder | $15,800 | $18,825-16.1% | $16,047-1.5% | $14,480+9.1% |