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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 | $258,824 | $201,372+28.5% | $184,260+40.5% | $145,884+77.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 21.37% | 29.04%-7.7pp | 28.84%-7.5pp | 551.85%-530.5pp |
| Employer contribution / active EE | $12,516 | $7,024+78.2% | $6,427+94.7% | $4,662+168.5% |
| Participant deferral / active EE | $12,006 | $9,808+22.4% | $9,133+31.5% | $6,690+79.5% |
| Admin fee / account holder | $60,690 | $16,362+270.9% | $13,898+336.7% | $13,392+353.2% |