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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 | $201,372+48.6% | $184,260+62.4% | $145,884+105.2% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 18.29% | 29.04%-10.7pp | 28.84%-10.5pp | 551.85%-533.6pp |
| Employer contribution / active EE | $21,936 | $7,024+212.3% | $6,427+241.3% | $4,662+370.5% |
| Participant deferral / active EE | $39,373 | $9,808+301.5% | $9,133+331.1% | $6,690+488.6% |
| Admin fee / account holder | $24,383 | $16,362+49.0% | $13,898+75.4% | $13,392+82.1% |