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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 | $314,221 | $199,109+57.8% | $173,730+80.9% | $154,746+103.1% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 32.20% | 20.02%+12.2pp | 19.96%+12.2pp | 172.34%-140.1pp |
| Employer contribution / active EE | $17,182 | $5,311+223.5% | $4,577+275.4% | $4,379+292.4% |
| Participant deferral / active EE | $15,680 | $7,113+120.4% | $6,326+147.8% | $6,730+133.0% |
| Admin fee / account holder | $888 | $20,916-95.8% | $17,523-94.9% | $14,365-93.8% |