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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 | $352,999 | $185,312+90.5% | $161,489+118.6% | $154,746+128.1% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 11.42% | 103.84%-92.4pp | 89.72%-78.3pp | 172.34%-160.9pp |
| Employer contribution / active EE | $10,048 | $4,769+110.7% | $4,268+135.4% | $4,379+129.4% |
| Participant deferral / active EE | $12,399 | $6,350+95.3% | $5,630+120.2% | $6,730+84.2% |
| Admin fee / account holder | $3,527 | $18,654-81.1% | $16,006-78.0% | $14,365-75.4% |