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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 | $345,512 | $184,014+87.8% | $161,149+114.4% | $138,895+148.8% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 13.94% | 21.52%-7.6pp | 21.16%-7.2pp | 145.39%-131.5pp |
| Employer contribution / active EE | $12,969 | $5,055+156.5% | $4,360+197.4% | $4,194+209.2% |
| Participant deferral / active EE | $14,528 | $6,909+110.3% | $6,153+136.1% | $6,396+127.1% |
| Admin fee / account holder | $26,832 | $18,027+48.8% | $15,194+76.6% | $12,562+113.6% |