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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 | $290,682 | $211,224+37.6% | $178,505+62.8% | $145,897+99.2% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 12.22% | 30.28%-18.1pp | 27.16%-14.9pp | 552.29%-540.1pp |
| Employer contribution / active EE | $16,367 | $4,577+257.6% | $3,955+313.8% | $4,663+251.0% |
| Participant deferral / active EE | $9,470 | $6,966+36.0% | $6,280+50.8% | $6,689+41.6% |
| Admin fee / account holder | $64,985 | $12,109+436.7% | $10,428+523.2% | $13,390+385.3% |