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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 | $263,371 | $124,425+111.7% | $112,040+135.1% | $137,256+91.9% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 20.07% | 24.72%-4.6pp | 24.52%-4.4pp | 220.34%-200.3pp |
| Employer contribution / active EE | $3,978 | $3,411+16.6% | $2,954+34.7% | $4,156-4.3% |
| Participant deferral / active EE | $16,534 | $5,718+189.1% | $5,098+224.3% | $6,407+158.1% |
| Admin fee / account holder | $26,497 | $15,207+74.3% | $12,098+119.0% | $12,270+116.0% |