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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 | $290,710 | $184,014+58.0% | $161,149+80.4% | $138,895+109.3% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 9.90% | 21.52%-11.6pp | 21.16%-11.3pp | 145.39%-135.5pp |
| Employer contribution / active EE | $15,183 | $5,055+200.3% | $4,360+248.2% | $4,194+262.0% |
| Participant deferral / active EE | $14,709 | $6,909+112.9% | $6,153+139.1% | $6,396+130.0% |
| Admin fee / account holder | $1,237 | $18,027-93.1% | $15,194-91.9% | $12,562-90.1% |