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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 | $299,320 | $201,259+48.7% | $184,200+62.5% | $145,959+105.1% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 18.29% | 28.98%-10.7pp | 28.80%-10.5pp | 561.95%-543.7pp |
| Employer contribution / active EE | $21,936 | $7,018+212.6% | $6,424+241.5% | $4,661+370.7% |
| Participant deferral / active EE | $39,373 | $9,806+301.5% | $9,132+331.2% | $6,689+488.7% |
| Admin fee / account holder | $24,383 | $16,372+48.9% | $13,907+75.3% | $13,398+82.0% |