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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 | $266,420 | $181,896+46.5% | $156,551+70.2% | $273,972-2.8% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 4.19% | 30.74%-26.6pp | 32.23%-28.0pp | 41.46%-37.3pp |
| Employer contribution / active EE | $11,073 | $6,248+77.2% | $5,501+101.3% | $4,869+127.4% |
| Participant deferral / active EE | $9,685 | $5,550+74.5% | $4,871+98.8% | $5,287+83.2% |
| Admin fee / account holder | $18,515 | $15,560+19.0% | $13,028+42.1% | $10,133+82.7% |