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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 | $376,236 | $201,344+86.9% | $184,243+104.2% | $145,877+157.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 13.90% | 29.01%-15.1pp | 28.82%-14.9pp | 551.28%-537.4pp |
| Employer contribution / active EE | $12,113 | $7,022+72.5% | $6,427+88.5% | $4,663+159.8% |
| Participant deferral / active EE | $12,191 | $9,807+24.3% | $9,132+33.5% | $6,691+82.2% |
| Admin fee / account holder | $3,907 | $16,382-76.2% | $13,914-71.9% | $13,402-70.8% |