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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 | $259,772 | $209,336+24.1% | $197,124+31.8% | $137,256+89.3% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 14.41% | 48.09%-33.7pp | 44.34%-29.9pp | 220.34%-205.9pp |
| Employer contribution / active EE | $12,605 | $6,591+91.2% | $6,227+102.4% | $4,156+203.3% |
| Participant deferral / active EE | $7,798 | $9,614-18.9% | $9,135-14.6% | $6,407+21.7% |
| Admin fee / account holder | $1,806 | $17,308-89.6% | $16,298-88.9% | $12,270-85.3% |