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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 | $251,479 | $201,370+24.9% | $184,256+36.5% | $145,897+72.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 19.16% | 29.05%-9.9pp | 28.85%-9.7pp | 552.29%-533.1pp |
| Employer contribution / active EE | $24,584 | $7,024+250.0% | $6,427+282.5% | $4,663+427.3% |
| Participant deferral / active EE | $21,621 | $9,808+120.4% | $9,133+136.7% | $6,689+223.2% |
| Admin fee / account holder | $1,265 | $16,364-92.3% | $13,899-90.9% | $13,390-90.6% |