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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 | $289,979 | $183,592+57.9% | $155,574+86.4% | $145,877+98.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 12.03% | 61.37%-49.3pp | 64.87%-52.8pp | 551.28%-539.2pp |
| Employer contribution / active EE | $6,005 | $5,317+12.9% | $4,676+28.4% | $4,663+28.8% |
| Participant deferral / active EE | $10,543 | $6,466+63.0% | $5,629+87.3% | $6,691+57.6% |
| Admin fee / account holder | $12,542 | $19,316-35.1% | $15,914-21.2% | $13,402-6.4% |