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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 | $276,309 | $172,111+60.5% | $150,298+83.8% | $137,256+101.3% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 15.29% | 69.37%-54.1pp | 62.79%-47.5pp | 220.34%-205.0pp |
| Employer contribution / active EE | $8,645 | $4,636+86.5% | $4,154+108.1% | $4,156+108.0% |
| Participant deferral / active EE | $8,511 | $6,166+38.0% | $5,453+56.1% | $6,407+32.8% |
| Admin fee / account holder | $1,279 | $16,471-92.2% | $14,116-90.9% | $12,270-89.6% |