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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 | $361,939 | $210,510+71.9% | $153,500+135.8% | $145,877+148.1% |
| Participation rate | 100.0% | 82.1%+17.9pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.02% | 13.45%-1.4pp | 15.70%-3.7pp | 551.28%-539.3pp |
| Employer contribution / active EE | $18,614 | $6,052+207.6% | $5,039+269.4% | $4,663+299.2% |
| Participant deferral / active EE | $14,107 | $7,974+76.9% | $6,756+108.8% | $6,691+110.9% |
| Admin fee / account holder | $973 | $19,455-95.0% | $12,736-92.4% | $13,402-92.7% |