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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 | $264,613 | $201,344+31.4% | $184,243+43.6% | $145,877+81.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 15.78% | 29.01%-13.2pp | 28.82%-13.0pp | 551.28%-535.5pp |
| Employer contribution / active EE | $4,680 | $7,022-33.4% | $6,427-27.2% | $4,663+0.4% |
| Participant deferral / active EE | $12,240 | $9,807+24.8% | $9,132+34.0% | $6,691+82.9% |
| Admin fee / account holder | $2,121 | $16,382-87.1% | $13,914-84.8% | $13,402-84.2% |