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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 | $185,312+40.8% | $161,489+61.5% | $154,746+68.6% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 14.52% | 103.84%-89.3pp | 89.72%-75.2pp | 172.34%-157.8pp |
| Employer contribution / active EE | $9,720 | $4,769+103.8% | $4,268+127.7% | $4,379+122.0% |
| Participant deferral / active EE | $6,578 | $6,350+3.6% | $5,630+16.8% | $6,730-2.3% |
| Admin fee / account holder | $2,100 | $18,654-88.7% | $16,006-86.9% | $14,365-85.4% |