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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 | $281,879 | $209,336+34.7% | $197,124+43.0% | $137,256+105.4% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 15.24% | 48.09%-32.9pp | 44.34%-29.1pp | 220.34%-205.1pp |
| Employer contribution / active EE | $28,101 | $6,591+326.4% | $6,227+351.2% | $4,156+576.2% |
| Participant deferral / active EE | $16,988 | $9,614+76.7% | $9,135+86.0% | $6,407+165.1% |
| Admin fee / account holder | $596 | $17,308-96.6% | $16,298-96.3% | $12,270-95.1% |