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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 | $380,535 | $239,571+58.8% | $183,328+107.6% | $137,256+177.2% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 80.0%+20.0pp |
| Annual return | 10.26% | 35.69%-25.4pp | 29.67%-19.4pp | 220.34%-210.1pp |
| Employer contribution / active EE | $18,312 | $6,148+197.9% | $5,055+262.2% | $4,156+340.6% |
| Participant deferral / active EE | $13,020 | $7,995+62.9% | $6,795+91.6% | $6,407+103.2% |
| Admin fee / account holder | $1,011 | $30,059-96.6% | $21,427-95.3% | $12,270-91.8% |