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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 | $210,343+72.1% | $153,476+135.8% | $145,978+147.9% |
| Participation rate | 100.0% | 82.1%+17.9pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.02% | 13.38%-1.4pp | 15.66%-3.6pp | 550.52%-538.5pp |
| Employer contribution / active EE | $18,614 | $6,047+207.8% | $5,038+269.5% | $4,662+299.3% |
| Participant deferral / active EE | $14,107 | $7,977+76.9% | $6,759+108.7% | $6,690+110.9% |
| Admin fee / account holder | $973 | $19,424-95.0% | $12,729-92.4% | $13,400-92.7% |