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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 | $260,830 | $172,111+51.5% | $150,298+73.5% | $137,256+90.0% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 14.52% | 69.37%-54.9pp | 62.79%-48.3pp | 220.34%-205.8pp |
| Employer contribution / active EE | $9,720 | $4,636+109.6% | $4,154+134.0% | $4,156+133.9% |
| Participant deferral / active EE | $6,578 | $6,166+6.7% | $5,453+20.6% | $6,407+2.7% |
| Admin fee / account holder | $2,100 | $16,471-87.3% | $14,116-85.1% | $12,270-82.9% |