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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 | $270,199 | $155,555+73.7% | $146,866+84.0% | $155,188+74.1% |
| Participation rate | 91.7% | 84.0%+7.7pp | 82.5%+9.2pp | 80.8%+10.9pp |
| Annual return | 17.73% | 115.41%-97.7pp | 102.85%-85.1pp | 148.84%-131.1pp |
| Employer contribution / active EE | $12,953 | $4,647+178.7% | $4,425+192.7% | $4,248+204.9% |
| Participant deferral / active EE | $12,763 | $8,044+58.7% | $7,759+64.5% | $6,531+95.4% |
| Admin fee / account holder | $2,441 | $14,755-83.5% | $13,620-82.1% | $14,480-83.1% |