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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 | $330,959 | $201,370+64.4% | $184,256+79.6% | $145,897+126.8% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 11.89% | 29.05%-17.2pp | 28.85%-17.0pp | 552.29%-540.4pp |
| Employer contribution / active EE | $6,556 | $7,024-6.7% | $6,427+2.0% | $4,663+40.6% |
| Participant deferral / active EE | $12,505 | $9,808+27.5% | $9,133+36.9% | $6,689+86.9% |
| Admin fee / account holder | $14,870 | $16,364-9.1% | $13,899+7.0% | $13,390+11.0% |