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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 | $258,757 | $211,105+22.6% | $178,449+45.0% | $145,978+77.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 14.92% | 30.19%-15.3pp | 27.09%-12.2pp | 550.52%-535.6pp |
| Employer contribution / active EE | $9,281 | $4,569+103.2% | $3,951+134.9% | $4,662+99.1% |
| Participant deferral / active EE | $21,307 | $6,959+206.2% | $6,277+239.5% | $6,690+218.5% |
| Admin fee / account holder | $3,898 | $12,017-67.6% | $10,362-62.4% | $13,400-70.9% |