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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 | $252,598 | $201,372+25.4% | $184,260+37.1% | $145,884+73.2% |
| Participation rate | 77.8% | 87.5%-9.7pp | 86.8%-9.0pp | 80.3%-2.5pp |
| Annual return | 14.99% | 29.04%-14.0pp | 28.84%-13.8pp | 551.85%-536.9pp |
| Employer contribution / active EE | $14,157 | $7,024+101.6% | $6,427+120.3% | $4,662+203.6% |
| Participant deferral / active EE | $15,939 | $9,808+62.5% | $9,133+74.5% | $6,690+138.3% |
| Admin fee / account holder | $11,630 | $16,362-28.9% | $13,898-16.3% | $13,392-13.2% |